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$37,810
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,986
−HK$1,195/mo
Today · 4.125%
HK$40,181
baseline
▲ 0.50% · 4.625%
HK$42,626
+HK$2,445/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,362/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,063
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,191
−HK$1,145/mo
Today · 4.125%
HK$44,336
baseline
▲ 0.50% · 4.625%
HK$46,673
+HK$2,337/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,672/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,372
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,783
−HK$1,434/mo
Today · 4.125%
HK$48,217
baseline
▲ 0.50% · 4.625%
HK$51,151
+HK$2,934/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,434/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,476
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,829
−HK$1,374/mo
Today · 4.125%
HK$53,203
baseline
▲ 0.50% · 4.625%
HK$56,007
+HK$2,804/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,406/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,934
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,580
−HK$1,673/mo
Today · 4.125%
HK$56,253
baseline
▲ 0.50% · 4.625%
HK$59,676
+HK$3,423/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$112,506/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,888
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,468
−HK$1,602/mo
Today · 4.125%
HK$62,070
baseline
▲ 0.50% · 4.625%
HK$65,342
+HK$3,272/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$124,140/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,058
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,175
−HK$2,151/mo
Today · 4.125%
HK$72,326
baseline
▲ 0.50% · 4.625%
HK$76,726
+HK$4,400/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,652/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,714
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,744
−HK$2,060/mo
Today · 4.125%
HK$79,804
baseline
▲ 0.50% · 4.625%
HK$84,011
+HK$4,207/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,608/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,803 · Scale 2, in force from 26 Feb 2026)