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$37,932
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,111
−HK$1,199/mo
Today · 4.125%
HK$40,310
baseline
▲ 0.50% · 4.625%
HK$42,763
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,620/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,199
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,330
−HK$1,148/mo
Today · 4.125%
HK$44,478
baseline
▲ 0.50% · 4.625%
HK$46,823
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,956/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,518
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,934
−HK$1,438/mo
Today · 4.125%
HK$48,372
baseline
▲ 0.50% · 4.625%
HK$51,316
+HK$2,944/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,744/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,638
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,996
−HK$1,378/mo
Today · 4.125%
HK$53,374
baseline
▲ 0.50% · 4.625%
HK$56,187
+HK$2,813/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,748/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,104
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,756
−HK$1,678/mo
Today · 4.125%
HK$56,434
baseline
▲ 0.50% · 4.625%
HK$59,868
+HK$3,434/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,868/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,078
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,662
−HK$1,608/mo
Today · 4.125%
HK$62,270
baseline
▲ 0.50% · 4.625%
HK$65,552
+HK$3,282/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,540/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,277
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,401
−HK$2,157/mo
Today · 4.125%
HK$72,558
baseline
▲ 0.50% · 4.625%
HK$76,973
+HK$4,415/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,116/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,957
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,994
−HK$2,067/mo
Today · 4.125%
HK$80,061
baseline
▲ 0.50% · 4.625%
HK$84,281
+HK$4,220/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,122/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,805 · Scale 2, in force from 26 Feb 2026)