The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$37,762
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,936
−HK$1,194/mo
Today · 4.125%
HK$40,130
baseline
▲ 0.50% · 4.625%
HK$42,572
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,260/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,010
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,136
−HK$1,143/mo
Today · 4.125%
HK$44,279
baseline
▲ 0.50% · 4.625%
HK$46,613
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,558/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,314
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,724
−HK$1,432/mo
Today · 4.125%
HK$48,156
baseline
▲ 0.50% · 4.625%
HK$51,086
+HK$2,930/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$96,312/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,411
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,763
−HK$1,372/mo
Today · 4.125%
HK$53,135
baseline
▲ 0.50% · 4.625%
HK$55,936
+HK$2,801/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$106,270/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,866
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,511
−HK$1,671/mo
Today · 4.125%
HK$56,182
baseline
▲ 0.50% · 4.625%
HK$59,600
+HK$3,418/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,364/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,813
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,391
−HK$1,600/mo
Today · 4.125%
HK$61,991
baseline
▲ 0.50% · 4.625%
HK$65,259
+HK$3,268/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,982/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,971
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,085
−HK$2,149/mo
Today · 4.125%
HK$72,234
baseline
▲ 0.50% · 4.625%
HK$76,629
+HK$4,395/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,468/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,617
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,645
−HK$2,058/mo
Today · 4.125%
HK$79,703
baseline
▲ 0.50% · 4.625%
HK$83,904
+HK$4,201/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,406/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,012 · Scale 2, in force from 26 Feb 2026)