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$37,866
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,044
−HK$1,196/mo
Today · 4.125%
HK$40,240
baseline
▲ 0.50% · 4.625%
HK$42,689
+HK$2,449/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,480/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,125
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,255
−HK$1,146/mo
Today · 4.125%
HK$44,401
baseline
▲ 0.50% · 4.625%
HK$46,742
+HK$2,341/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,802/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,439
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,853
−HK$1,436/mo
Today · 4.125%
HK$48,289
baseline
▲ 0.50% · 4.625%
HK$51,227
+HK$2,938/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,578/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,551
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,906
−HK$1,376/mo
Today · 4.125%
HK$53,282
baseline
▲ 0.50% · 4.625%
HK$56,090
+HK$2,808/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,564/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,012
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,661
−HK$1,676/mo
Today · 4.125%
HK$56,337
baseline
▲ 0.50% · 4.625%
HK$59,765
+HK$3,428/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,674/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,976
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,557
−HK$1,605/mo
Today · 4.125%
HK$62,162
baseline
▲ 0.50% · 4.625%
HK$65,439
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,324/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,159
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,279
−HK$2,154/mo
Today · 4.125%
HK$72,433
baseline
▲ 0.50% · 4.625%
HK$76,840
+HK$4,407/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,866/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,826
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,859
−HK$2,063/mo
Today · 4.125%
HK$79,922
baseline
▲ 0.50% · 4.625%
HK$84,135
+HK$4,213/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,844/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,725 · Scale 2, in force from 26 Feb 2026)