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$37,817
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,994
−HK$1,195/mo
Today · 4.125%
HK$40,189
baseline
▲ 0.50% · 4.625%
HK$42,634
+HK$2,445/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,378/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,071
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,200
−HK$1,144/mo
Today · 4.125%
HK$44,344
baseline
▲ 0.50% · 4.625%
HK$46,682
+HK$2,338/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,688/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,381
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,792
−HK$1,434/mo
Today · 4.125%
HK$48,226
baseline
▲ 0.50% · 4.625%
HK$51,161
+HK$2,935/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,452/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$621,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,485
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,839
−HK$1,374/mo
Today · 4.125%
HK$53,213
baseline
▲ 0.50% · 4.625%
HK$56,018
+HK$2,805/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,426/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$621,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,944
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,591
−HK$1,673/mo
Today · 4.125%
HK$56,264
baseline
▲ 0.50% · 4.625%
HK$59,688
+HK$3,424/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,528/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,900
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,479
−HK$1,603/mo
Today · 4.125%
HK$62,082
baseline
▲ 0.50% · 4.625%
HK$65,354
+HK$3,272/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,164/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,071
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,188
−HK$2,152/mo
Today · 4.125%
HK$72,340
baseline
▲ 0.50% · 4.625%
HK$76,741
+HK$4,401/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,680/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,728
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,759
−HK$2,061/mo
Today · 4.125%
HK$79,820
baseline
▲ 0.50% · 4.625%
HK$84,027
+HK$4,207/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,640/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,924 · Scale 2, in force from 26 Feb 2026)