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$37,878
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,056
−HK$1,197/mo
Today · 4.125%
HK$40,253
baseline
▲ 0.50% · 4.625%
HK$42,702
+HK$2,449/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,506/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,139
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,269
−HK$1,146/mo
Today · 4.125%
HK$44,415
baseline
▲ 0.50% · 4.625%
HK$46,757
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,830/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,453
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,867
−HK$1,437/mo
Today · 4.125%
HK$48,304
baseline
▲ 0.50% · 4.625%
HK$51,243
+HK$2,939/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$96,608/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,567
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,923
−HK$1,376/mo
Today · 4.125%
HK$53,299
baseline
▲ 0.50% · 4.625%
HK$56,108
+HK$2,809/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$106,598/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,029
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,679
−HK$1,675/mo
Today · 4.125%
HK$56,354
baseline
▲ 0.50% · 4.625%
HK$59,783
+HK$3,429/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,708/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,994
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,577
−HK$1,605/mo
Today · 4.125%
HK$62,182
baseline
▲ 0.50% · 4.625%
HK$65,459
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,364/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,180
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,301
−HK$2,155/mo
Today · 4.125%
HK$72,456
baseline
▲ 0.50% · 4.625%
HK$76,864
+HK$4,408/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,912/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,850
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,884
−HK$2,064/mo
Today · 4.125%
HK$79,948
baseline
▲ 0.50% · 4.625%
HK$84,162
+HK$4,214/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,896/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,922 · Scale 2, in force from 26 Feb 2026)