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$37,876
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,054
−HK$1,197/mo
Today · 4.125%
HK$40,251
baseline
▲ 0.50% · 4.625%
HK$42,700
+HK$2,449/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,502/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,136
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,266
−HK$1,147/mo
Today · 4.125%
HK$44,413
baseline
▲ 0.50% · 4.625%
HK$46,754
+HK$2,341/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,826/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,451
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,865
−HK$1,436/mo
Today · 4.125%
HK$48,301
baseline
▲ 0.50% · 4.625%
HK$51,240
+HK$2,939/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$96,602/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,564
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,920
−HK$1,375/mo
Today · 4.125%
HK$53,295
baseline
▲ 0.50% · 4.625%
HK$56,105
+HK$2,810/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$106,590/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,026
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,675
−HK$1,676/mo
Today · 4.125%
HK$56,351
baseline
▲ 0.50% · 4.625%
HK$59,780
+HK$3,429/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,702/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,991
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,573
−HK$1,605/mo
Today · 4.125%
HK$62,178
baseline
▲ 0.50% · 4.625%
HK$65,455
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,356/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,176
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,297
−HK$2,154/mo
Today · 4.125%
HK$72,451
baseline
▲ 0.50% · 4.625%
HK$76,860
+HK$4,409/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,902/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,845
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,880
−HK$2,063/mo
Today · 4.125%
HK$79,943
baseline
▲ 0.50% · 4.625%
HK$84,157
+HK$4,214/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,886/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,886 · Scale 2, in force from 26 Feb 2026)