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$623,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,152
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,283
−HK$1,147/mo
Today · 4.125%
HK$44,430
baseline
▲ 0.50% · 4.625%
HK$46,771
+HK$2,341/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$623,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,468
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,882
−HK$1,437/mo
Today · 4.125%
HK$48,319
baseline
▲ 0.50% · 4.625%
HK$51,259
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,638/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,583
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,939
−HK$1,376/mo
Today · 4.125%
HK$53,315
baseline
▲ 0.50% · 4.625%
HK$56,126
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,630/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,046
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,696
−HK$1,676/mo
Today · 4.125%
HK$56,372
baseline
▲ 0.50% · 4.625%
HK$59,802
+HK$3,430/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,744/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,013
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,596
−HK$1,605/mo
Today · 4.125%
HK$62,201
baseline
▲ 0.50% · 4.625%
HK$65,480
+HK$3,279/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,402/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,202
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,323
−HK$2,156/mo
Today · 4.125%
HK$72,479
baseline
▲ 0.50% · 4.625%
HK$76,889
+HK$4,410/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,958/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,874
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,909
−HK$2,064/mo
Today · 4.125%
HK$79,973
baseline
▲ 0.50% · 4.625%
HK$84,189
+HK$4,216/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,946/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,120 · Scale 2, in force from 26 Feb 2026)