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$37,769
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,944
−HK$1,194/mo
Today · 4.125%
HK$40,138
baseline
▲ 0.50% · 4.625%
HK$42,580
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,276/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,018
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,145
−HK$1,143/mo
Today · 4.125%
HK$44,288
baseline
▲ 0.50% · 4.625%
HK$46,623
+HK$2,335/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,576/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,323
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,733
−HK$1,432/mo
Today · 4.125%
HK$48,165
baseline
▲ 0.50% · 4.625%
HK$51,096
+HK$2,931/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,330/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,422
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,774
−HK$1,372/mo
Today · 4.125%
HK$53,146
baseline
▲ 0.50% · 4.625%
HK$55,947
+HK$2,801/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,292/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,877
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,522
−HK$1,671/mo
Today · 4.125%
HK$56,193
baseline
▲ 0.50% · 4.625%
HK$59,612
+HK$3,419/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,386/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,825
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,403
−HK$1,600/mo
Today · 4.125%
HK$62,003
baseline
▲ 0.50% · 4.625%
HK$65,272
+HK$3,269/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$124,006/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,985
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,100
−HK$2,148/mo
Today · 4.125%
HK$72,248
baseline
▲ 0.50% · 4.625%
HK$76,644
+HK$4,396/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,496/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,633
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,661
−HK$2,058/mo
Today · 4.125%
HK$79,719
baseline
▲ 0.50% · 4.625%
HK$83,921
+HK$4,202/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,438/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,138 · Scale 2, in force from 26 Feb 2026)