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$37,964
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,144
−HK$1,200/mo
Today · 4.125%
HK$40,344
baseline
▲ 0.50% · 4.625%
HK$42,799
+HK$2,455/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,688/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,234
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,367
−HK$1,149/mo
Today · 4.125%
HK$44,516
baseline
▲ 0.50% · 4.625%
HK$46,862
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,032/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,556
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,973
−HK$1,440/mo
Today · 4.125%
HK$48,413
baseline
▲ 0.50% · 4.625%
HK$51,359
+HK$2,946/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,826/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,681
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,040
−HK$1,379/mo
Today · 4.125%
HK$53,419
baseline
▲ 0.50% · 4.625%
HK$56,235
+HK$2,816/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,838/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,149
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,802
−HK$1,680/mo
Today · 4.125%
HK$56,482
baseline
▲ 0.50% · 4.625%
HK$59,919
+HK$3,437/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,964/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,128
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,713
−HK$1,609/mo
Today · 4.125%
HK$62,322
baseline
▲ 0.50% · 4.625%
HK$65,607
+HK$3,285/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,644/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,334
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,460
−HK$2,159/mo
Today · 4.125%
HK$72,619
baseline
▲ 0.50% · 4.625%
HK$77,038
+HK$4,419/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,238/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,021
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,060
−HK$2,068/mo
Today · 4.125%
HK$80,128
baseline
▲ 0.50% · 4.625%
HK$84,352
+HK$4,224/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,256/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,330 · Scale 2, in force from 26 Feb 2026)