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$37,766
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,940
−HK$1,194/mo
Today · 4.125%
HK$40,134
baseline
▲ 0.50% · 4.625%
HK$42,576
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,268/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,014
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,141
−HK$1,143/mo
Today · 4.125%
HK$44,284
baseline
▲ 0.50% · 4.625%
HK$46,618
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,568/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,319
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,729
−HK$1,432/mo
Today · 4.125%
HK$48,161
baseline
▲ 0.50% · 4.625%
HK$51,091
+HK$2,930/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$96,322/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,417
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,769
−HK$1,372/mo
Today · 4.125%
HK$53,141
baseline
▲ 0.50% · 4.625%
HK$55,942
+HK$2,801/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$106,282/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,872
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,517
−HK$1,671/mo
Today · 4.125%
HK$56,188
baseline
▲ 0.50% · 4.625%
HK$59,606
+HK$3,418/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,376/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,820
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,397
−HK$1,600/mo
Today · 4.125%
HK$61,997
baseline
▲ 0.50% · 4.625%
HK$65,265
+HK$3,268/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,994/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,978
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,093
−HK$2,148/mo
Today · 4.125%
HK$72,241
baseline
▲ 0.50% · 4.625%
HK$76,637
+HK$4,396/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,482/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,625
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,653
−HK$2,058/mo
Today · 4.125%
HK$79,711
baseline
▲ 0.50% · 4.625%
HK$83,913
+HK$4,202/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,422/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,077 · Scale 2, in force from 26 Feb 2026)