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$37,880
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,058
−HK$1,197/mo
Today · 4.125%
HK$40,255
baseline
▲ 0.50% · 4.625%
HK$42,704
+HK$2,449/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,510/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,141
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,271
−HK$1,146/mo
Today · 4.125%
HK$44,417
baseline
▲ 0.50% · 4.625%
HK$46,759
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,834/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,455
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,869
−HK$1,437/mo
Today · 4.125%
HK$48,306
baseline
▲ 0.50% · 4.625%
HK$51,245
+HK$2,939/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$96,612/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,569
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,925
−HK$1,376/mo
Today · 4.125%
HK$53,301
baseline
▲ 0.50% · 4.625%
HK$56,110
+HK$2,809/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$106,602/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,031
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,681
−HK$1,676/mo
Today · 4.125%
HK$56,357
baseline
▲ 0.50% · 4.625%
HK$59,786
+HK$3,429/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,714/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,997
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,579
−HK$1,605/mo
Today · 4.125%
HK$62,184
baseline
▲ 0.50% · 4.625%
HK$65,462
+HK$3,278/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,368/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,183
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,304
−HK$2,155/mo
Today · 4.125%
HK$72,459
baseline
▲ 0.50% · 4.625%
HK$76,868
+HK$4,409/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,918/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,853
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,887
−HK$2,064/mo
Today · 4.125%
HK$79,951
baseline
▲ 0.50% · 4.625%
HK$84,166
+HK$4,215/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,902/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,949 · Scale 2, in force from 26 Feb 2026)