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$37,834
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,011
−HK$1,196/mo
Today · 4.125%
HK$40,207
baseline
▲ 0.50% · 4.625%
HK$42,654
+HK$2,447/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,414/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,090
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,219
−HK$1,145/mo
Today · 4.125%
HK$44,364
baseline
▲ 0.50% · 4.625%
HK$46,703
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,728/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,401
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,814
−HK$1,434/mo
Today · 4.125%
HK$48,248
baseline
▲ 0.50% · 4.625%
HK$51,184
+HK$2,936/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,496/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,509
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,863
−HK$1,374/mo
Today · 4.125%
HK$53,237
baseline
▲ 0.50% · 4.625%
HK$56,044
+HK$2,807/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,474/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,968
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,616
−HK$1,674/mo
Today · 4.125%
HK$56,290
baseline
▲ 0.50% · 4.625%
HK$59,715
+HK$3,425/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,580/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,927
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,507
−HK$1,603/mo
Today · 4.125%
HK$62,110
baseline
▲ 0.50% · 4.625%
HK$65,384
+HK$3,274/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,220/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,102
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,220
−HK$2,153/mo
Today · 4.125%
HK$72,373
baseline
▲ 0.50% · 4.625%
HK$76,776
+HK$4,403/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,746/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,763
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,795
−HK$2,061/mo
Today · 4.125%
HK$79,856
baseline
▲ 0.50% · 4.625%
HK$84,065
+HK$4,209/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,712/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,208 · Scale 2, in force from 26 Feb 2026)