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$37,881
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,059
−HK$1,197/mo
Today · 4.125%
HK$40,256
baseline
▲ 0.50% · 4.625%
HK$42,706
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,512/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,142
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,272
−HK$1,147/mo
Today · 4.125%
HK$44,419
baseline
▲ 0.50% · 4.625%
HK$46,760
+HK$2,341/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,838/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,457
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,871
−HK$1,436/mo
Today · 4.125%
HK$48,307
baseline
▲ 0.50% · 4.625%
HK$51,247
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,614/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,570
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,927
−HK$1,376/mo
Today · 4.125%
HK$53,303
baseline
▲ 0.50% · 4.625%
HK$56,112
+HK$2,809/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,606/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,033
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,683
−HK$1,676/mo
Today · 4.125%
HK$56,359
baseline
▲ 0.50% · 4.625%
HK$59,788
+HK$3,429/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,718/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,999
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,581
−HK$1,605/mo
Today · 4.125%
HK$62,186
baseline
▲ 0.50% · 4.625%
HK$65,464
+HK$3,278/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,372/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,185
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,306
−HK$2,155/mo
Today · 4.125%
HK$72,461
baseline
▲ 0.50% · 4.625%
HK$76,870
+HK$4,409/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,922/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,856
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,890
−HK$2,064/mo
Today · 4.125%
HK$79,954
baseline
▲ 0.50% · 4.625%
HK$84,168
+HK$4,214/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,908/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,969 · Scale 2, in force from 26 Feb 2026)