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$37,766
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,941
−HK$1,194/mo
Today · 4.125%
HK$40,135
baseline
▲ 0.50% · 4.625%
HK$42,577
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,270/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,015
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,141
−HK$1,144/mo
Today · 4.125%
HK$44,285
baseline
▲ 0.50% · 4.625%
HK$46,619
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,570/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,320
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,729
−HK$1,433/mo
Today · 4.125%
HK$48,162
baseline
▲ 0.50% · 4.625%
HK$51,092
+HK$2,930/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$96,324/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,418
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,770
−HK$1,371/mo
Today · 4.125%
HK$53,141
baseline
▲ 0.50% · 4.625%
HK$55,943
+HK$2,802/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$106,282/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,873
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,517
−HK$1,671/mo
Today · 4.125%
HK$56,188
baseline
▲ 0.50% · 4.625%
HK$59,607
+HK$3,419/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,376/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,820
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,398
−HK$1,600/mo
Today · 4.125%
HK$61,998
baseline
▲ 0.50% · 4.625%
HK$65,266
+HK$3,268/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,996/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,979
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,094
−HK$2,148/mo
Today · 4.125%
HK$72,242
baseline
▲ 0.50% · 4.625%
HK$76,638
+HK$4,396/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,484/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,626
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,655
−HK$2,057/mo
Today · 4.125%
HK$79,712
baseline
▲ 0.50% · 4.625%
HK$83,914
+HK$4,202/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,424/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,087 · Scale 2, in force from 26 Feb 2026)