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$37,882
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,061
−HK$1,197/mo
Today · 4.125%
HK$40,258
baseline
▲ 0.50% · 4.625%
HK$42,708
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,516/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,144
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,274
−HK$1,147/mo
Today · 4.125%
HK$44,421
baseline
▲ 0.50% · 4.625%
HK$46,762
+HK$2,341/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,842/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,459
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,873
−HK$1,436/mo
Today · 4.125%
HK$48,309
baseline
▲ 0.50% · 4.625%
HK$51,249
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,618/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,572
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,929
−HK$1,376/mo
Today · 4.125%
HK$53,305
baseline
▲ 0.50% · 4.625%
HK$56,115
+HK$2,810/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,610/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,035
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,685
−HK$1,676/mo
Today · 4.125%
HK$56,361
baseline
▲ 0.50% · 4.625%
HK$59,791
+HK$3,430/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,722/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,001
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,584
−HK$1,605/mo
Today · 4.125%
HK$62,189
baseline
▲ 0.50% · 4.625%
HK$65,467
+HK$3,278/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,378/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,188
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,309
−HK$2,155/mo
Today · 4.125%
HK$72,464
baseline
▲ 0.50% · 4.625%
HK$76,874
+HK$4,410/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,928/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,859
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,893
−HK$2,064/mo
Today · 4.125%
HK$79,957
baseline
▲ 0.50% · 4.625%
HK$84,172
+HK$4,215/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,914/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,995 · Scale 2, in force from 26 Feb 2026)