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$37,851
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,028
−HK$1,196/mo
Today · 4.125%
HK$40,224
baseline
▲ 0.50% · 4.625%
HK$42,672
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,448/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,108
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,238
−HK$1,145/mo
Today · 4.125%
HK$44,383
baseline
▲ 0.50% · 4.625%
HK$46,723
+HK$2,340/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,766/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,421
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,833
−HK$1,436/mo
Today · 4.125%
HK$48,269
baseline
▲ 0.50% · 4.625%
HK$51,206
+HK$2,937/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,538/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,530
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,885
−HK$1,375/mo
Today · 4.125%
HK$53,260
baseline
▲ 0.50% · 4.625%
HK$56,067
+HK$2,807/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,520/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,991
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,639
−HK$1,675/mo
Today · 4.125%
HK$56,314
baseline
▲ 0.50% · 4.625%
HK$59,740
+HK$3,426/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,628/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,952
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,533
−HK$1,604/mo
Today · 4.125%
HK$62,137
baseline
▲ 0.50% · 4.625%
HK$65,412
+HK$3,275/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,274/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,131
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,250
−HK$2,153/mo
Today · 4.125%
HK$72,403
baseline
▲ 0.50% · 4.625%
HK$76,809
+HK$4,406/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,806/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,795
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,828
−HK$2,062/mo
Today · 4.125%
HK$79,890
baseline
▲ 0.50% · 4.625%
HK$84,101
+HK$4,211/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,780/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,472 · Scale 2, in force from 26 Feb 2026)