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$37,940
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,120
−HK$1,199/mo
Today · 4.125%
HK$40,319
baseline
▲ 0.50% · 4.625%
HK$42,773
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,638/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,208
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,340
−HK$1,148/mo
Today · 4.125%
HK$44,488
baseline
▲ 0.50% · 4.625%
HK$46,834
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,976/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,528
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,944
−HK$1,439/mo
Today · 4.125%
HK$48,383
baseline
▲ 0.50% · 4.625%
HK$51,327
+HK$2,944/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$96,766/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,650
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,008
−HK$1,378/mo
Today · 4.125%
HK$53,386
baseline
▲ 0.50% · 4.625%
HK$56,200
+HK$2,814/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$106,772/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,116
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,768
−HK$1,679/mo
Today · 4.125%
HK$56,447
baseline
▲ 0.50% · 4.625%
HK$59,882
+HK$3,435/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,894/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,091
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,676
−HK$1,608/mo
Today · 4.125%
HK$62,284
baseline
▲ 0.50% · 4.625%
HK$65,567
+HK$3,283/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,568/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,292
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,417
−HK$2,158/mo
Today · 4.125%
HK$72,575
baseline
▲ 0.50% · 4.625%
HK$76,991
+HK$4,416/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,150/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,975
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,012
−HK$2,067/mo
Today · 4.125%
HK$80,079
baseline
▲ 0.50% · 4.625%
HK$84,300
+HK$4,221/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,158/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,947 · Scale 2, in force from 26 Feb 2026)