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$37,904
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,083
−HK$1,197/mo
Today · 4.125%
HK$40,280
baseline
▲ 0.50% · 4.625%
HK$42,731
+HK$2,451/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,560/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,167
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,298
−HK$1,147/mo
Today · 4.125%
HK$44,445
baseline
▲ 0.50% · 4.625%
HK$46,788
+HK$2,343/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,890/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,484
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,899
−HK$1,437/mo
Today · 4.125%
HK$48,336
baseline
▲ 0.50% · 4.625%
HK$51,278
+HK$2,942/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,672/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,601
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,958
−HK$1,377/mo
Today · 4.125%
HK$53,335
baseline
▲ 0.50% · 4.625%
HK$56,146
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,670/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,065
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,716
−HK$1,677/mo
Today · 4.125%
HK$56,393
baseline
▲ 0.50% · 4.625%
HK$59,824
+HK$3,431/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,786/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,034
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,617
−HK$1,607/mo
Today · 4.125%
HK$62,224
baseline
▲ 0.50% · 4.625%
HK$65,504
+HK$3,280/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,448/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,226
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,349
−HK$2,156/mo
Today · 4.125%
HK$72,505
baseline
▲ 0.50% · 4.625%
HK$76,916
+HK$4,411/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$145,010/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,901
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,937
−HK$2,065/mo
Today · 4.125%
HK$80,002
baseline
▲ 0.50% · 4.625%
HK$84,219
+HK$4,217/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$160,004/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,344 · Scale 2, in force from 26 Feb 2026)