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$37,833
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,010
−HK$1,196/mo
Today · 4.125%
HK$40,206
baseline
▲ 0.50% · 4.625%
HK$42,652
+HK$2,446/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,412/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,089
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,218
−HK$1,145/mo
Today · 4.125%
HK$44,363
baseline
▲ 0.50% · 4.625%
HK$46,701
+HK$2,338/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,726/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,400
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,812
−HK$1,435/mo
Today · 4.125%
HK$48,247
baseline
▲ 0.50% · 4.625%
HK$51,183
+HK$2,936/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$96,494/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,507
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,861
−HK$1,375/mo
Today · 4.125%
HK$53,236
baseline
▲ 0.50% · 4.625%
HK$56,042
+HK$2,806/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$106,472/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,967
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,614
−HK$1,674/mo
Today · 4.125%
HK$56,288
baseline
▲ 0.50% · 4.625%
HK$59,713
+HK$3,425/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,576/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,925
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,505
−HK$1,603/mo
Today · 4.125%
HK$62,108
baseline
▲ 0.50% · 4.625%
HK$65,382
+HK$3,274/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,216/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,100
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,218
−HK$2,152/mo
Today · 4.125%
HK$72,370
baseline
▲ 0.50% · 4.625%
HK$76,774
+HK$4,404/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,740/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,760
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,792
−HK$2,061/mo
Today · 4.125%
HK$79,853
baseline
▲ 0.50% · 4.625%
HK$84,063
+HK$4,210/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,706/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,188 · Scale 2, in force from 26 Feb 2026)