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$37,959
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,140
−HK$1,199/mo
Today · 4.125%
HK$40,339
baseline
▲ 0.50% · 4.625%
HK$42,794
+HK$2,455/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,678/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,229
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,361
−HK$1,149/mo
Today · 4.125%
HK$44,510
baseline
▲ 0.50% · 4.625%
HK$46,857
+HK$2,347/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,020/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,551
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,968
−HK$1,439/mo
Today · 4.125%
HK$48,407
baseline
▲ 0.50% · 4.625%
HK$51,353
+HK$2,946/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,814/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,675
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,034
−HK$1,378/mo
Today · 4.125%
HK$53,412
baseline
▲ 0.50% · 4.625%
HK$56,228
+HK$2,816/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,824/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,142
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,795
−HK$1,680/mo
Today · 4.125%
HK$56,475
baseline
▲ 0.50% · 4.625%
HK$59,911
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,950/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,120
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,706
−HK$1,609/mo
Today · 4.125%
HK$62,315
baseline
▲ 0.50% · 4.625%
HK$65,599
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,630/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,326
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,451
−HK$2,160/mo
Today · 4.125%
HK$72,611
baseline
▲ 0.50% · 4.625%
HK$77,029
+HK$4,418/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,222/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,012
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,051
−HK$2,068/mo
Today · 4.125%
HK$80,119
baseline
▲ 0.50% · 4.625%
HK$84,342
+HK$4,223/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,238/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,254 · Scale 2, in force from 26 Feb 2026)