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$37,827
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,004
−HK$1,195/mo
Today · 4.125%
HK$40,199
baseline
▲ 0.50% · 4.625%
HK$42,645
+HK$2,446/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,398/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,082
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,211
−HK$1,145/mo
Today · 4.125%
HK$44,356
baseline
▲ 0.50% · 4.625%
HK$46,694
+HK$2,338/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,712/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,393
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,805
−HK$1,434/mo
Today · 4.125%
HK$48,239
baseline
▲ 0.50% · 4.625%
HK$51,174
+HK$2,935/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$96,478/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,499
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,853
−HK$1,374/mo
Today · 4.125%
HK$53,227
baseline
▲ 0.50% · 4.625%
HK$56,033
+HK$2,806/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$106,454/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,958
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,605
−HK$1,674/mo
Today · 4.125%
HK$56,279
baseline
▲ 0.50% · 4.625%
HK$59,704
+HK$3,425/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,558/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,915
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,495
−HK$1,603/mo
Today · 4.125%
HK$62,098
baseline
▲ 0.50% · 4.625%
HK$65,372
+HK$3,274/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,196/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,089
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,207
−HK$2,152/mo
Today · 4.125%
HK$72,359
baseline
▲ 0.50% · 4.625%
HK$76,762
+HK$4,403/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,718/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,748
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,780
−HK$2,061/mo
Today · 4.125%
HK$79,841
baseline
▲ 0.50% · 4.625%
HK$84,049
+HK$4,208/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,682/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,089 · Scale 2, in force from 26 Feb 2026)