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$37,796
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,972
−HK$1,195/mo
Today · 4.125%
HK$40,167
baseline
▲ 0.50% · 4.625%
HK$42,611
+HK$2,444/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,334/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,048
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,176
−HK$1,144/mo
Today · 4.125%
HK$44,320
baseline
▲ 0.50% · 4.625%
HK$46,656
+HK$2,336/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,640/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,356
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,767
−HK$1,433/mo
Today · 4.125%
HK$48,200
baseline
▲ 0.50% · 4.625%
HK$51,133
+HK$2,933/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,400/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,458
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,811
−HK$1,373/mo
Today · 4.125%
HK$53,184
baseline
▲ 0.50% · 4.625%
HK$55,987
+HK$2,803/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,368/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,915
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,561
−HK$1,672/mo
Today · 4.125%
HK$56,233
baseline
▲ 0.50% · 4.625%
HK$59,655
+HK$3,422/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,466/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,867
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,446
−HK$1,602/mo
Today · 4.125%
HK$62,048
baseline
▲ 0.50% · 4.625%
HK$65,318
+HK$3,270/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,096/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,034
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,150
−HK$2,150/mo
Today · 4.125%
HK$72,300
baseline
▲ 0.50% · 4.625%
HK$76,699
+HK$4,399/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,600/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,687
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,717
−HK$2,059/mo
Today · 4.125%
HK$79,776
baseline
▲ 0.50% · 4.625%
HK$83,981
+HK$4,205/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,552/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,582 · Scale 2, in force from 26 Feb 2026)