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$37,837
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,013
−HK$1,196/mo
Today · 4.125%
HK$40,209
baseline
▲ 0.50% · 4.625%
HK$42,656
+HK$2,447/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,418/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,093
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,222
−HK$1,145/mo
Today · 4.125%
HK$44,367
baseline
▲ 0.50% · 4.625%
HK$46,706
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,734/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,404
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,816
−HK$1,435/mo
Today · 4.125%
HK$48,251
baseline
▲ 0.50% · 4.625%
HK$51,187
+HK$2,936/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,502/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,511
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,866
−HK$1,374/mo
Today · 4.125%
HK$53,240
baseline
▲ 0.50% · 4.625%
HK$56,047
+HK$2,807/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,480/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,971
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,619
−HK$1,674/mo
Today · 4.125%
HK$56,293
baseline
▲ 0.50% · 4.625%
HK$59,718
+HK$3,425/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,586/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,930
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,510
−HK$1,604/mo
Today · 4.125%
HK$62,114
baseline
▲ 0.50% · 4.625%
HK$65,388
+HK$3,274/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,228/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,106
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,224
−HK$2,153/mo
Today · 4.125%
HK$72,377
baseline
▲ 0.50% · 4.625%
HK$76,781
+HK$4,404/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,754/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,767
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,799
−HK$2,061/mo
Today · 4.125%
HK$79,860
baseline
▲ 0.50% · 4.625%
HK$84,070
+HK$4,210/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,720/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,242 · Scale 2, in force from 26 Feb 2026)