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$37,826
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,002
−HK$1,196/mo
Today · 4.125%
HK$40,198
baseline
▲ 0.50% · 4.625%
HK$42,644
+HK$2,446/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,396/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,081
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,209
−HK$1,145/mo
Today · 4.125%
HK$44,354
baseline
▲ 0.50% · 4.625%
HK$46,692
+HK$2,338/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,708/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,391
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,803
−HK$1,434/mo
Today · 4.125%
HK$48,237
baseline
▲ 0.50% · 4.625%
HK$51,172
+HK$2,935/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$96,474/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,497
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,851
−HK$1,374/mo
Today · 4.125%
HK$53,225
baseline
▲ 0.50% · 4.625%
HK$56,030
+HK$2,805/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$106,450/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,956
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,603
−HK$1,674/mo
Today · 4.125%
HK$56,277
baseline
▲ 0.50% · 4.625%
HK$59,701
+HK$3,424/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,554/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,913
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,493
−HK$1,603/mo
Today · 4.125%
HK$62,096
baseline
▲ 0.50% · 4.625%
HK$65,369
+HK$3,273/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,192/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,086
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,204
−HK$2,152/mo
Today · 4.125%
HK$72,356
baseline
▲ 0.50% · 4.625%
HK$76,758
+HK$4,402/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,712/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,745
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,777
−HK$2,060/mo
Today · 4.125%
HK$79,837
baseline
▲ 0.50% · 4.625%
HK$84,046
+HK$4,209/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,674/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,062 · Scale 2, in force from 26 Feb 2026)