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$37,805
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,980
−HK$1,195/mo
Today · 4.125%
HK$40,175
baseline
▲ 0.50% · 4.625%
HK$42,620
+HK$2,445/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,350/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,057
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,185
−HK$1,144/mo
Today · 4.125%
HK$44,329
baseline
▲ 0.50% · 4.625%
HK$46,666
+HK$2,337/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,658/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,365
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,777
−HK$1,433/mo
Today · 4.125%
HK$48,210
baseline
▲ 0.50% · 4.625%
HK$51,144
+HK$2,934/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,420/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,469
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,822
−HK$1,373/mo
Today · 4.125%
HK$53,195
baseline
▲ 0.50% · 4.625%
HK$55,999
+HK$2,804/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,390/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,926
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,573
−HK$1,672/mo
Today · 4.125%
HK$56,245
baseline
▲ 0.50% · 4.625%
HK$59,668
+HK$3,423/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$112,490/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,880
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,459
−HK$1,602/mo
Today · 4.125%
HK$62,061
baseline
▲ 0.50% · 4.625%
HK$65,332
+HK$3,271/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$124,122/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,048
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,165
−HK$2,150/mo
Today · 4.125%
HK$72,315
baseline
▲ 0.50% · 4.625%
HK$76,716
+HK$4,401/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,630/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,703
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,733
−HK$2,060/mo
Today · 4.125%
HK$79,793
baseline
▲ 0.50% · 4.625%
HK$83,999
+HK$4,206/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,586/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,715 · Scale 2, in force from 26 Feb 2026)