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$37,742
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,916
−HK$1,193/mo
Today · 4.125%
HK$40,109
baseline
▲ 0.50% · 4.625%
HK$42,549
+HK$2,440/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,218/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,988
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,114
−HK$1,142/mo
Today · 4.125%
HK$44,256
baseline
▲ 0.50% · 4.625%
HK$46,589
+HK$2,333/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,512/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,290
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,699
−HK$1,431/mo
Today · 4.125%
HK$48,130
baseline
▲ 0.50% · 4.625%
HK$51,059
+HK$2,929/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,260/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,385
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,736
−HK$1,371/mo
Today · 4.125%
HK$53,107
baseline
▲ 0.50% · 4.625%
HK$55,907
+HK$2,800/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,214/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,839
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,482
−HK$1,670/mo
Today · 4.125%
HK$56,152
baseline
▲ 0.50% · 4.625%
HK$59,569
+HK$3,417/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,304/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,783
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,359
−HK$1,599/mo
Today · 4.125%
HK$61,958
baseline
▲ 0.50% · 4.625%
HK$65,224
+HK$3,266/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,916/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,935
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,049
−HK$2,147/mo
Today · 4.125%
HK$72,196
baseline
▲ 0.50% · 4.625%
HK$76,589
+HK$4,393/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,392/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,578
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,604
−HK$2,057/mo
Today · 4.125%
HK$79,661
baseline
▲ 0.50% · 4.625%
HK$83,860
+HK$4,199/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,322/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,686 · Scale 2, in force from 26 Feb 2026)