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$37,887
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,066
−HK$1,197/mo
Today · 4.125%
HK$40,263
baseline
▲ 0.50% · 4.625%
HK$42,713
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,526/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,149
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,279
−HK$1,147/mo
Today · 4.125%
HK$44,426
baseline
▲ 0.50% · 4.625%
HK$46,768
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,852/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,464
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,879
−HK$1,436/mo
Today · 4.125%
HK$48,315
baseline
▲ 0.50% · 4.625%
HK$51,255
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,630/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,579
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,935
−HK$1,376/mo
Today · 4.125%
HK$53,311
baseline
▲ 0.50% · 4.625%
HK$56,121
+HK$2,810/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,622/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,042
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,692
−HK$1,676/mo
Today · 4.125%
HK$56,368
baseline
▲ 0.50% · 4.625%
HK$59,798
+HK$3,430/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,736/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,009
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,591
−HK$1,606/mo
Today · 4.125%
HK$62,197
baseline
▲ 0.50% · 4.625%
HK$65,475
+HK$3,278/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,394/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,197
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,318
−HK$2,155/mo
Today · 4.125%
HK$72,473
baseline
▲ 0.50% · 4.625%
HK$76,883
+HK$4,410/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,946/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,868
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,903
−HK$2,064/mo
Today · 4.125%
HK$79,967
baseline
▲ 0.50% · 4.625%
HK$84,182
+HK$4,215/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,934/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,072 · Scale 2, in force from 26 Feb 2026)