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$37,961
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,141
−HK$1,200/mo
Today · 4.125%
HK$40,341
baseline
▲ 0.50% · 4.625%
HK$42,796
+HK$2,455/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,682/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,231
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,363
−HK$1,149/mo
Today · 4.125%
HK$44,512
baseline
▲ 0.50% · 4.625%
HK$46,859
+HK$2,347/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,024/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,553
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,970
−HK$1,439/mo
Today · 4.125%
HK$48,409
baseline
▲ 0.50% · 4.625%
HK$51,355
+HK$2,946/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,818/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,677
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,036
−HK$1,379/mo
Today · 4.125%
HK$53,415
baseline
▲ 0.50% · 4.625%
HK$56,230
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,830/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,145
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,798
−HK$1,680/mo
Today · 4.125%
HK$56,478
baseline
▲ 0.50% · 4.625%
HK$59,914
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,956/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,123
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,709
−HK$1,608/mo
Today · 4.125%
HK$62,317
baseline
▲ 0.50% · 4.625%
HK$65,602
+HK$3,285/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,634/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,329
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,455
−HK$2,159/mo
Today · 4.125%
HK$72,614
baseline
▲ 0.50% · 4.625%
HK$77,032
+HK$4,418/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,228/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,015
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,054
−HK$2,068/mo
Today · 4.125%
HK$80,122
baseline
▲ 0.50% · 4.625%
HK$84,346
+HK$4,224/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,244/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,283 · Scale 2, in force from 26 Feb 2026)