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$37,908
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,087
−HK$1,198/mo
Today · 4.125%
HK$40,285
baseline
▲ 0.50% · 4.625%
HK$42,736
+HK$2,451/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,570/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,172
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,303
−HK$1,147/mo
Today · 4.125%
HK$44,450
baseline
▲ 0.50% · 4.625%
HK$46,793
+HK$2,343/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,900/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,489
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,904
−HK$1,438/mo
Today · 4.125%
HK$48,342
baseline
▲ 0.50% · 4.625%
HK$51,283
+HK$2,941/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,684/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,606
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,964
−HK$1,377/mo
Today · 4.125%
HK$53,341
baseline
▲ 0.50% · 4.625%
HK$56,152
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,682/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,071
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,722
−HK$1,677/mo
Today · 4.125%
HK$56,399
baseline
▲ 0.50% · 4.625%
HK$59,831
+HK$3,432/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,798/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,041
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,624
−HK$1,607/mo
Today · 4.125%
HK$62,231
baseline
▲ 0.50% · 4.625%
HK$65,511
+HK$3,280/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,462/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,234
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,356
−HK$2,157/mo
Today · 4.125%
HK$72,513
baseline
▲ 0.50% · 4.625%
HK$76,925
+HK$4,412/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$145,026/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,910
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,946
−HK$2,065/mo
Today · 4.125%
HK$80,011
baseline
▲ 0.50% · 4.625%
HK$84,228
+HK$4,217/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$160,022/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,414 · Scale 2, in force from 26 Feb 2026)