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$37,819
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,996
−HK$1,195/mo
Today · 4.125%
HK$40,191
baseline
▲ 0.50% · 4.625%
HK$42,636
+HK$2,445/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,382/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,074
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,202
−HK$1,145/mo
Today · 4.125%
HK$44,347
baseline
▲ 0.50% · 4.625%
HK$46,684
+HK$2,337/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,694/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,383
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,795
−HK$1,434/mo
Today · 4.125%
HK$48,229
baseline
▲ 0.50% · 4.625%
HK$51,164
+HK$2,935/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,458/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$621,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,488
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,842
−HK$1,374/mo
Today · 4.125%
HK$53,216
baseline
▲ 0.50% · 4.625%
HK$56,021
+HK$2,805/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,432/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$621,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,947
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,594
−HK$1,673/mo
Today · 4.125%
HK$56,267
baseline
▲ 0.50% · 4.625%
HK$59,691
+HK$3,424/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,534/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,903
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,483
−HK$1,602/mo
Today · 4.125%
HK$62,085
baseline
▲ 0.50% · 4.625%
HK$65,358
+HK$3,273/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,170/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,075
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,192
−HK$2,152/mo
Today · 4.125%
HK$72,344
baseline
▲ 0.50% · 4.625%
HK$76,745
+HK$4,401/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,688/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,732
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,763
−HK$2,061/mo
Today · 4.125%
HK$79,824
baseline
▲ 0.50% · 4.625%
HK$84,032
+HK$4,208/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,648/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,957 · Scale 2, in force from 26 Feb 2026)