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$37,802
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,978
−HK$1,195/mo
Today · 4.125%
HK$40,173
baseline
▲ 0.50% · 4.625%
HK$42,617
+HK$2,444/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,346/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,055
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,183
−HK$1,144/mo
Today · 4.125%
HK$44,327
baseline
▲ 0.50% · 4.625%
HK$46,664
+HK$2,337/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,654/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,363
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,774
−HK$1,434/mo
Today · 4.125%
HK$48,208
baseline
▲ 0.50% · 4.625%
HK$51,141
+HK$2,933/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,416/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,466
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,819
−HK$1,373/mo
Today · 4.125%
HK$53,192
baseline
▲ 0.50% · 4.625%
HK$55,996
+HK$2,804/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,384/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,923
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,570
−HK$1,672/mo
Today · 4.125%
HK$56,242
baseline
▲ 0.50% · 4.625%
HK$59,664
+HK$3,422/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,484/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,877
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,456
−HK$1,602/mo
Today · 4.125%
HK$62,058
baseline
▲ 0.50% · 4.625%
HK$65,329
+HK$3,271/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,116/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,044
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,161
−HK$2,150/mo
Today · 4.125%
HK$72,311
baseline
▲ 0.50% · 4.625%
HK$76,711
+HK$4,400/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,622/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,699
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,729
−HK$2,060/mo
Today · 4.125%
HK$79,789
baseline
▲ 0.50% · 4.625%
HK$83,994
+HK$4,205/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,578/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,682 · Scale 2, in force from 26 Feb 2026)