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$37,857
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,035
−HK$1,196/mo
Today · 4.125%
HK$40,231
baseline
▲ 0.50% · 4.625%
HK$42,679
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,462/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,116
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,245
−HK$1,146/mo
Today · 4.125%
HK$44,391
baseline
▲ 0.50% · 4.625%
HK$46,731
+HK$2,340/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,782/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,428
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,841
−HK$1,436/mo
Today · 4.125%
HK$48,277
baseline
▲ 0.50% · 4.625%
HK$51,215
+HK$2,938/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,554/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,539
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,894
−HK$1,375/mo
Today · 4.125%
HK$53,269
baseline
▲ 0.50% · 4.625%
HK$56,077
+HK$2,808/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,538/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,000
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,648
−HK$1,675/mo
Today · 4.125%
HK$56,323
baseline
▲ 0.50% · 4.625%
HK$59,751
+HK$3,428/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,646/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,962
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,543
−HK$1,604/mo
Today · 4.125%
HK$62,147
baseline
▲ 0.50% · 4.625%
HK$65,423
+HK$3,276/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,294/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,143
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,262
−HK$2,154/mo
Today · 4.125%
HK$72,416
baseline
▲ 0.50% · 4.625%
HK$76,822
+HK$4,406/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,832/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,808
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,841
−HK$2,063/mo
Today · 4.125%
HK$79,904
baseline
▲ 0.50% · 4.625%
HK$84,115
+HK$4,211/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,808/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,579 · Scale 2, in force from 26 Feb 2026)