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$37,851
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,029
−HK$1,196/mo
Today · 4.125%
HK$40,225
baseline
▲ 0.50% · 4.625%
HK$42,672
+HK$2,447/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,450/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,109
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,239
−HK$1,145/mo
Today · 4.125%
HK$44,384
baseline
▲ 0.50% · 4.625%
HK$46,724
+HK$2,340/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,768/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,422
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,834
−HK$1,436/mo
Today · 4.125%
HK$48,270
baseline
▲ 0.50% · 4.625%
HK$51,207
+HK$2,937/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,540/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,531
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,886
−HK$1,375/mo
Today · 4.125%
HK$53,261
baseline
▲ 0.50% · 4.625%
HK$56,069
+HK$2,808/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,522/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,992
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,640
−HK$1,675/mo
Today · 4.125%
HK$56,315
baseline
▲ 0.50% · 4.625%
HK$59,741
+HK$3,426/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,630/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,953
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,534
−HK$1,604/mo
Today · 4.125%
HK$62,138
baseline
▲ 0.50% · 4.625%
HK$65,413
+HK$3,275/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,276/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,132
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,252
−HK$2,153/mo
Today · 4.125%
HK$72,405
baseline
▲ 0.50% · 4.625%
HK$76,810
+HK$4,405/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,810/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,797
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,829
−HK$2,063/mo
Today · 4.125%
HK$79,892
baseline
▲ 0.50% · 4.625%
HK$84,103
+HK$4,211/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,784/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,485 · Scale 2, in force from 26 Feb 2026)