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$37,821
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,997
−HK$1,195/mo
Today · 4.125%
HK$40,192
baseline
▲ 0.50% · 4.625%
HK$42,638
+HK$2,446/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,384/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$621,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,075
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,203
−HK$1,145/mo
Today · 4.125%
HK$44,348
baseline
▲ 0.50% · 4.625%
HK$46,686
+HK$2,338/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,696/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$621,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,385
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,796
−HK$1,435/mo
Today · 4.125%
HK$48,231
baseline
▲ 0.50% · 4.625%
HK$51,165
+HK$2,934/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,462/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$621,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,490
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,844
−HK$1,374/mo
Today · 4.125%
HK$53,218
baseline
▲ 0.50% · 4.625%
HK$56,023
+HK$2,805/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,436/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$621,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,949
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,596
−HK$1,673/mo
Today · 4.125%
HK$56,269
baseline
▲ 0.50% · 4.625%
HK$59,693
+HK$3,424/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,538/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,905
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,485
−HK$1,602/mo
Today · 4.125%
HK$62,087
baseline
▲ 0.50% · 4.625%
HK$65,360
+HK$3,273/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,174/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,077
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,195
−HK$2,151/mo
Today · 4.125%
HK$72,346
baseline
▲ 0.50% · 4.625%
HK$76,748
+HK$4,402/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,692/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,735
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,766
−HK$2,061/mo
Today · 4.125%
HK$79,827
baseline
▲ 0.50% · 4.625%
HK$84,034
+HK$4,207/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,654/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,979 · Scale 2, in force from 26 Feb 2026)