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$37,776
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,951
−HK$1,193/mo
Today · 4.125%
HK$40,144
baseline
▲ 0.50% · 4.625%
HK$42,587
+HK$2,443/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,288/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,025
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,152
−HK$1,143/mo
Today · 4.125%
HK$44,295
baseline
▲ 0.50% · 4.625%
HK$46,630
+HK$2,335/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,590/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,331
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,741
−HK$1,432/mo
Today · 4.125%
HK$48,173
baseline
▲ 0.50% · 4.625%
HK$51,105
+HK$2,932/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,346/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,430
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,782
−HK$1,372/mo
Today · 4.125%
HK$53,154
baseline
▲ 0.50% · 4.625%
HK$55,956
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,308/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,886
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,531
−HK$1,671/mo
Today · 4.125%
HK$56,202
baseline
▲ 0.50% · 4.625%
HK$59,622
+HK$3,420/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,404/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,835
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,413
−HK$1,601/mo
Today · 4.125%
HK$62,014
baseline
▲ 0.50% · 4.625%
HK$65,282
+HK$3,268/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,028/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,996
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,111
−HK$2,149/mo
Today · 4.125%
HK$72,260
baseline
▲ 0.50% · 4.625%
HK$76,657
+HK$4,397/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,520/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,645
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,674
−HK$2,058/mo
Today · 4.125%
HK$79,732
baseline
▲ 0.50% · 4.625%
HK$83,934
+HK$4,202/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,464/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,239 · Scale 2, in force from 26 Feb 2026)