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$37,875
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,053
−HK$1,197/mo
Today · 4.125%
HK$40,250
baseline
▲ 0.50% · 4.625%
HK$42,699
+HK$2,449/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,500/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,135
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,265
−HK$1,147/mo
Today · 4.125%
HK$44,412
baseline
▲ 0.50% · 4.625%
HK$46,753
+HK$2,341/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,824/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,450
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,864
−HK$1,436/mo
Today · 4.125%
HK$48,300
baseline
▲ 0.50% · 4.625%
HK$51,239
+HK$2,939/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$96,600/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,562
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,918
−HK$1,376/mo
Today · 4.125%
HK$53,294
baseline
▲ 0.50% · 4.625%
HK$56,103
+HK$2,809/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$106,588/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,025
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,674
−HK$1,676/mo
Today · 4.125%
HK$56,350
baseline
▲ 0.50% · 4.625%
HK$59,779
+HK$3,429/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,700/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,989
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,572
−HK$1,604/mo
Today · 4.125%
HK$62,176
baseline
▲ 0.50% · 4.625%
HK$65,454
+HK$3,278/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,352/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,175
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,295
−HK$2,155/mo
Today · 4.125%
HK$72,450
baseline
▲ 0.50% · 4.625%
HK$76,858
+HK$4,408/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,900/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,844
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,878
−HK$2,063/mo
Today · 4.125%
HK$79,941
baseline
▲ 0.50% · 4.625%
HK$84,155
+HK$4,214/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,882/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,871 · Scale 2, in force from 26 Feb 2026)