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$37,762
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,937
−HK$1,193/mo
Today · 4.125%
HK$40,130
baseline
▲ 0.50% · 4.625%
HK$42,572
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,260/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,010
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,137
−HK$1,143/mo
Today · 4.125%
HK$44,280
baseline
▲ 0.50% · 4.625%
HK$46,614
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,560/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,315
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,724
−HK$1,432/mo
Today · 4.125%
HK$48,156
baseline
▲ 0.50% · 4.625%
HK$51,087
+HK$2,931/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$96,312/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,412
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,764
−HK$1,372/mo
Today · 4.125%
HK$53,136
baseline
▲ 0.50% · 4.625%
HK$55,937
+HK$2,801/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$106,272/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,867
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,512
−HK$1,670/mo
Today · 4.125%
HK$56,182
baseline
▲ 0.50% · 4.625%
HK$59,601
+HK$3,419/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,364/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,814
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,392
−HK$1,600/mo
Today · 4.125%
HK$61,992
baseline
▲ 0.50% · 4.625%
HK$65,259
+HK$3,267/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,984/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,972
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,086
−HK$2,149/mo
Today · 4.125%
HK$72,235
baseline
▲ 0.50% · 4.625%
HK$76,630
+HK$4,395/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,470/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,618
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,646
−HK$2,058/mo
Today · 4.125%
HK$79,704
baseline
▲ 0.50% · 4.625%
HK$83,905
+HK$4,201/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,408/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,020 · Scale 2, in force from 26 Feb 2026)