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$37,890
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,069
−HK$1,197/mo
Today · 4.125%
HK$40,266
baseline
▲ 0.50% · 4.625%
HK$42,716
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,532/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,153
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,283
−HK$1,147/mo
Today · 4.125%
HK$44,430
baseline
▲ 0.50% · 4.625%
HK$46,772
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,860/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,468
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,883
−HK$1,437/mo
Today · 4.125%
HK$48,320
baseline
▲ 0.50% · 4.625%
HK$51,260
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,640/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,583
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,940
−HK$1,376/mo
Today · 4.125%
HK$53,316
baseline
▲ 0.50% · 4.625%
HK$56,126
+HK$2,810/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,632/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,046
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,697
−HK$1,676/mo
Today · 4.125%
HK$56,373
baseline
▲ 0.50% · 4.625%
HK$59,803
+HK$3,430/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$112,746/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,014
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,596
−HK$1,606/mo
Today · 4.125%
HK$62,202
baseline
▲ 0.50% · 4.625%
HK$65,481
+HK$3,279/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$124,404/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,203
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,324
−HK$2,155/mo
Today · 4.125%
HK$72,479
baseline
▲ 0.50% · 4.625%
HK$76,890
+HK$4,411/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$144,958/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,875
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,910
−HK$2,064/mo
Today · 4.125%
HK$79,974
baseline
▲ 0.50% · 4.625%
HK$84,190
+HK$4,216/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$159,948/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,127 · Scale 2, in force from 26 Feb 2026)