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$37,905
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,084
−HK$1,198/mo
Today · 4.125%
HK$40,282
baseline
▲ 0.50% · 4.625%
HK$42,733
+HK$2,451/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,564/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,169
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,300
−HK$1,147/mo
Today · 4.125%
HK$44,447
baseline
▲ 0.50% · 4.625%
HK$46,790
+HK$2,343/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,894/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,486
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,901
−HK$1,438/mo
Today · 4.125%
HK$48,339
baseline
▲ 0.50% · 4.625%
HK$51,280
+HK$2,941/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,678/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,603
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,960
−HK$1,377/mo
Today · 4.125%
HK$53,337
baseline
▲ 0.50% · 4.625%
HK$56,148
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,674/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,067
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,718
−HK$1,677/mo
Today · 4.125%
HK$56,395
baseline
▲ 0.50% · 4.625%
HK$59,826
+HK$3,431/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,790/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,037
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,620
−HK$1,606/mo
Today · 4.125%
HK$62,226
baseline
▲ 0.50% · 4.625%
HK$65,506
+HK$3,280/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,452/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,229
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,352
−HK$2,156/mo
Today · 4.125%
HK$72,508
baseline
▲ 0.50% · 4.625%
HK$76,920
+HK$4,412/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$145,016/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,904
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,940
−HK$2,065/mo
Today · 4.125%
HK$80,005
baseline
▲ 0.50% · 4.625%
HK$84,222
+HK$4,217/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$160,010/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,370 · Scale 2, in force from 26 Feb 2026)