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$37,813
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,989
−HK$1,195/mo
Today · 4.125%
HK$40,184
baseline
▲ 0.50% · 4.625%
HK$42,629
+HK$2,445/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,368/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,066
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,195
−HK$1,144/mo
Today · 4.125%
HK$44,339
baseline
▲ 0.50% · 4.625%
HK$46,676
+HK$2,337/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,678/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,376
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,787
−HK$1,434/mo
Today · 4.125%
HK$48,221
baseline
▲ 0.50% · 4.625%
HK$51,155
+HK$2,934/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,442/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,480
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,834
−HK$1,373/mo
Today · 4.125%
HK$53,207
baseline
▲ 0.50% · 4.625%
HK$56,012
+HK$2,805/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,414/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,938
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,585
−HK$1,673/mo
Today · 4.125%
HK$56,258
baseline
▲ 0.50% · 4.625%
HK$59,681
+HK$3,423/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$112,516/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,893
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,473
−HK$1,602/mo
Today · 4.125%
HK$62,075
baseline
▲ 0.50% · 4.625%
HK$65,347
+HK$3,272/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$124,150/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,063
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,180
−HK$2,151/mo
Today · 4.125%
HK$72,331
baseline
▲ 0.50% · 4.625%
HK$76,733
+HK$4,402/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,662/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,720
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,750
−HK$2,061/mo
Today · 4.125%
HK$79,811
baseline
▲ 0.50% · 4.625%
HK$84,018
+HK$4,207/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,622/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,854 · Scale 2, in force from 26 Feb 2026)