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$37,841
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,018
−HK$1,196/mo
Today · 4.125%
HK$40,214
baseline
▲ 0.50% · 4.625%
HK$42,661
+HK$2,447/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,428/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,098
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,227
−HK$1,145/mo
Today · 4.125%
HK$44,372
baseline
▲ 0.50% · 4.625%
HK$46,711
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,744/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,409
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,822
−HK$1,435/mo
Today · 4.125%
HK$48,257
baseline
▲ 0.50% · 4.625%
HK$51,193
+HK$2,936/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,514/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,517
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,872
−HK$1,375/mo
Today · 4.125%
HK$53,247
baseline
▲ 0.50% · 4.625%
HK$56,053
+HK$2,806/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,494/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,977
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,625
−HK$1,675/mo
Today · 4.125%
HK$56,300
baseline
▲ 0.50% · 4.625%
HK$59,725
+HK$3,425/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,600/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,937
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,517
−HK$1,604/mo
Today · 4.125%
HK$62,121
baseline
▲ 0.50% · 4.625%
HK$65,395
+HK$3,274/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,242/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,114
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,233
−HK$2,152/mo
Today · 4.125%
HK$72,385
baseline
▲ 0.50% · 4.625%
HK$76,790
+HK$4,405/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,770/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,776
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,808
−HK$2,062/mo
Today · 4.125%
HK$79,870
baseline
▲ 0.50% · 4.625%
HK$84,080
+HK$4,210/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,740/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,315 · Scale 2, in force from 26 Feb 2026)