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$37,848
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,025
−HK$1,196/mo
Today · 4.125%
HK$40,221
baseline
▲ 0.50% · 4.625%
HK$42,669
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,442/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,105
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,235
−HK$1,145/mo
Today · 4.125%
HK$44,380
baseline
▲ 0.50% · 4.625%
HK$46,719
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,760/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,417
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,830
−HK$1,435/mo
Today · 4.125%
HK$48,265
baseline
▲ 0.50% · 4.625%
HK$51,202
+HK$2,937/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,530/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,526
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,881
−HK$1,375/mo
Today · 4.125%
HK$53,256
baseline
▲ 0.50% · 4.625%
HK$56,063
+HK$2,807/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,512/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,987
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,635
−HK$1,675/mo
Today · 4.125%
HK$56,310
baseline
▲ 0.50% · 4.625%
HK$59,736
+HK$3,426/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,620/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,947
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,528
−HK$1,604/mo
Today · 4.125%
HK$62,132
baseline
▲ 0.50% · 4.625%
HK$65,407
+HK$3,275/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,264/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,126
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,245
−HK$2,153/mo
Today · 4.125%
HK$72,398
baseline
▲ 0.50% · 4.625%
HK$76,803
+HK$4,405/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,796/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,789
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,822
−HK$2,062/mo
Today · 4.125%
HK$79,884
baseline
▲ 0.50% · 4.625%
HK$84,095
+HK$4,211/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,768/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,427 · Scale 2, in force from 26 Feb 2026)