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$37,799
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,975
−HK$1,194/mo
Today · 4.125%
HK$40,169
baseline
▲ 0.50% · 4.625%
HK$42,613
+HK$2,444/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,338/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,051
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,179
−HK$1,144/mo
Today · 4.125%
HK$44,323
baseline
▲ 0.50% · 4.625%
HK$46,659
+HK$2,336/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,646/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,359
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,769
−HK$1,434/mo
Today · 4.125%
HK$48,203
baseline
▲ 0.50% · 4.625%
HK$51,136
+HK$2,933/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,406/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,461
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,814
−HK$1,373/mo
Today · 4.125%
HK$53,187
baseline
▲ 0.50% · 4.625%
HK$55,991
+HK$2,804/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,374/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,918
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,564
−HK$1,673/mo
Today · 4.125%
HK$56,237
baseline
▲ 0.50% · 4.625%
HK$59,659
+HK$3,422/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,474/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,871
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,450
−HK$1,602/mo
Today · 4.125%
HK$62,052
baseline
▲ 0.50% · 4.625%
HK$65,323
+HK$3,271/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,104/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,038
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,154
−HK$2,150/mo
Today · 4.125%
HK$72,304
baseline
▲ 0.50% · 4.625%
HK$76,704
+HK$4,400/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,608/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,691
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,721
−HK$2,060/mo
Today · 4.125%
HK$79,781
baseline
▲ 0.50% · 4.625%
HK$83,986
+HK$4,205/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,562/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,621 · Scale 2, in force from 26 Feb 2026)