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$2,375/mo
▼ 0.25% · 3.875%
HK$39,060
−HK$1,197/mo
Today · 4.125%
HK$40,257
baseline
▲ 0.50% · 4.625%
HK$42,707
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,514/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,143
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,274
−HK$1,146/mo
Today · 4.125%
HK$44,420
baseline
▲ 0.50% · 4.625%
HK$46,762
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,840/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,458
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,872
−HK$1,437/mo
Today · 4.125%
HK$48,309
baseline
▲ 0.50% · 4.625%
HK$51,248
+HK$2,939/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$622,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,572
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,928
−HK$1,376/mo
Today · 4.125%
HK$53,304
baseline
▲ 0.50% · 4.625%
HK$56,114
+HK$2,810/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,608/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,035
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,684
−HK$1,676/mo
Today · 4.125%
HK$56,360
baseline
▲ 0.50% · 4.625%
HK$59,790
+HK$3,430/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,720/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,001
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,583
−HK$1,605/mo
Today · 4.125%
HK$62,188
baseline
▲ 0.50% · 4.625%
HK$65,466
+HK$3,278/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,376/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,188
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,309
−HK$2,154/mo
Today · 4.125%
HK$72,463
baseline
▲ 0.50% · 4.625%
HK$76,873
+HK$4,410/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,926/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,858
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,892
−HK$2,064/mo
Today · 4.125%
HK$79,956
baseline
▲ 0.50% · 4.625%
HK$84,171
+HK$4,215/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,912/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,989 · Scale 2, in force from 26 Feb 2026)