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$37,873
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,051
−HK$1,197/mo
Today · 4.125%
HK$40,248
baseline
▲ 0.50% · 4.625%
HK$42,697
+HK$2,449/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,496/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,134
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,264
−HK$1,146/mo
Today · 4.125%
HK$44,410
baseline
▲ 0.50% · 4.625%
HK$46,751
+HK$2,341/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,820/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,448
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,862
−HK$1,436/mo
Today · 4.125%
HK$48,298
baseline
▲ 0.50% · 4.625%
HK$51,237
+HK$2,939/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$96,596/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,561
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,917
−HK$1,375/mo
Today · 4.125%
HK$53,292
baseline
▲ 0.50% · 4.625%
HK$56,101
+HK$2,809/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$106,584/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,023
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,672
−HK$1,676/mo
Today · 4.125%
HK$56,348
baseline
▲ 0.50% · 4.625%
HK$59,776
+HK$3,428/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,696/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,987
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,569
−HK$1,605/mo
Today · 4.125%
HK$62,174
baseline
▲ 0.50% · 4.625%
HK$65,451
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,348/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,172
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,293
−HK$2,154/mo
Today · 4.125%
HK$72,447
baseline
▲ 0.50% · 4.625%
HK$76,855
+HK$4,408/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,894/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,841
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,875
−HK$2,063/mo
Today · 4.125%
HK$79,938
baseline
▲ 0.50% · 4.625%
HK$84,152
+HK$4,214/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,876/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,848 · Scale 2, in force from 26 Feb 2026)