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$37,820
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,996
−HK$1,195/mo
Today · 4.125%
HK$40,191
baseline
▲ 0.50% · 4.625%
HK$42,637
+HK$2,446/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,382/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,074
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,202
−HK$1,145/mo
Today · 4.125%
HK$44,347
baseline
▲ 0.50% · 4.625%
HK$46,685
+HK$2,338/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,694/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,384
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,795
−HK$1,435/mo
Today · 4.125%
HK$48,230
baseline
▲ 0.50% · 4.625%
HK$51,164
+HK$2,934/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,460/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$621,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,489
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,843
−HK$1,374/mo
Today · 4.125%
HK$53,217
baseline
▲ 0.50% · 4.625%
HK$56,022
+HK$2,805/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,434/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$621,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,948
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,595
−HK$1,673/mo
Today · 4.125%
HK$56,268
baseline
▲ 0.50% · 4.625%
HK$59,692
+HK$3,424/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,536/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,904
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,483
−HK$1,603/mo
Today · 4.125%
HK$62,086
baseline
▲ 0.50% · 4.625%
HK$65,359
+HK$3,273/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,172/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,076
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,193
−HK$2,151/mo
Today · 4.125%
HK$72,344
baseline
▲ 0.50% · 4.625%
HK$76,746
+HK$4,402/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,688/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,733
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,764
−HK$2,061/mo
Today · 4.125%
HK$79,825
baseline
▲ 0.50% · 4.625%
HK$84,033
+HK$4,208/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,650/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,966 · Scale 2, in force from 26 Feb 2026)