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$37,856
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,033
−HK$1,197/mo
Today · 4.125%
HK$40,230
baseline
▲ 0.50% · 4.625%
HK$42,678
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,460/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,114
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,244
−HK$1,146/mo
Today · 4.125%
HK$44,390
baseline
▲ 0.50% · 4.625%
HK$46,729
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,780/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,427
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,840
−HK$1,436/mo
Today · 4.125%
HK$48,276
baseline
▲ 0.50% · 4.625%
HK$51,213
+HK$2,937/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,552/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,537
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,893
−HK$1,375/mo
Today · 4.125%
HK$53,268
baseline
▲ 0.50% · 4.625%
HK$56,075
+HK$2,807/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,536/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,998
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,647
−HK$1,675/mo
Today · 4.125%
HK$56,322
baseline
▲ 0.50% · 4.625%
HK$59,749
+HK$3,427/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,644/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,960
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,541
−HK$1,604/mo
Today · 4.125%
HK$62,145
baseline
▲ 0.50% · 4.625%
HK$65,421
+HK$3,276/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,290/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,141
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,260
−HK$2,154/mo
Today · 4.125%
HK$72,414
baseline
▲ 0.50% · 4.625%
HK$76,820
+HK$4,406/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,828/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,806
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,839
−HK$2,062/mo
Today · 4.125%
HK$79,901
baseline
▲ 0.50% · 4.625%
HK$84,113
+HK$4,212/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,802/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,561 · Scale 2, in force from 26 Feb 2026)