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$37,957
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,138
−HK$1,200/mo
Today · 4.125%
HK$40,338
baseline
▲ 0.50% · 4.625%
HK$42,792
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,676/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,227
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,360
−HK$1,148/mo
Today · 4.125%
HK$44,508
baseline
▲ 0.50% · 4.625%
HK$46,855
+HK$2,347/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,016/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,549
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,966
−HK$1,439/mo
Today · 4.125%
HK$48,405
baseline
▲ 0.50% · 4.625%
HK$51,350
+HK$2,945/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,810/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,673
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,032
−HK$1,378/mo
Today · 4.125%
HK$53,410
baseline
▲ 0.50% · 4.625%
HK$56,226
+HK$2,816/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,820/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,140
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,793
−HK$1,680/mo
Today · 4.125%
HK$56,473
baseline
▲ 0.50% · 4.625%
HK$59,909
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,946/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,118
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,703
−HK$1,609/mo
Today · 4.125%
HK$62,312
baseline
▲ 0.50% · 4.625%
HK$65,596
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,624/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,323
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,448
−HK$2,160/mo
Today · 4.125%
HK$72,608
baseline
▲ 0.50% · 4.625%
HK$77,026
+HK$4,418/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,216/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,009
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,047
−HK$2,068/mo
Today · 4.125%
HK$80,115
baseline
▲ 0.50% · 4.625%
HK$84,338
+HK$4,223/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,230/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,228 · Scale 2, in force from 26 Feb 2026)