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$37,852
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,029
−HK$1,196/mo
Today · 4.125%
HK$40,225
baseline
▲ 0.50% · 4.625%
HK$42,673
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,450/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,110
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,239
−HK$1,146/mo
Today · 4.125%
HK$44,385
baseline
▲ 0.50% · 4.625%
HK$46,724
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,770/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,422
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,835
−HK$1,435/mo
Today · 4.125%
HK$48,270
baseline
▲ 0.50% · 4.625%
HK$51,208
+HK$2,938/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,540/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,532
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,887
−HK$1,375/mo
Today · 4.125%
HK$53,262
baseline
▲ 0.50% · 4.625%
HK$56,069
+HK$2,807/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,524/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,992
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,641
−HK$1,674/mo
Today · 4.125%
HK$56,315
baseline
▲ 0.50% · 4.625%
HK$59,742
+HK$3,427/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,630/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,954
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,535
−HK$1,604/mo
Today · 4.125%
HK$62,139
baseline
▲ 0.50% · 4.625%
HK$65,414
+HK$3,275/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,278/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,133
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,252
−HK$2,154/mo
Today · 4.125%
HK$72,406
baseline
▲ 0.50% · 4.625%
HK$76,811
+HK$4,405/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,812/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,797
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,830
−HK$2,062/mo
Today · 4.125%
HK$79,892
baseline
▲ 0.50% · 4.625%
HK$84,104
+HK$4,212/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,784/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,492 · Scale 2, in force from 26 Feb 2026)