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$37,929
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,108
−HK$1,199/mo
Today · 4.125%
HK$40,307
baseline
▲ 0.50% · 4.625%
HK$42,760
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,614/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,195
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,327
−HK$1,148/mo
Today · 4.125%
HK$44,475
baseline
▲ 0.50% · 4.625%
HK$46,819
+HK$2,344/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,950/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,514
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,930
−HK$1,438/mo
Today · 4.125%
HK$48,368
baseline
▲ 0.50% · 4.625%
HK$51,311
+HK$2,943/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,736/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,634
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,992
−HK$1,378/mo
Today · 4.125%
HK$53,370
baseline
▲ 0.50% · 4.625%
HK$56,183
+HK$2,813/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,740/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,100
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,752
−HK$1,678/mo
Today · 4.125%
HK$56,430
baseline
▲ 0.50% · 4.625%
HK$59,863
+HK$3,433/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,860/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,073
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,657
−HK$1,608/mo
Today · 4.125%
HK$62,265
baseline
▲ 0.50% · 4.625%
HK$65,547
+HK$3,282/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,530/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,271
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,395
−HK$2,158/mo
Today · 4.125%
HK$72,553
baseline
▲ 0.50% · 4.625%
HK$76,967
+HK$4,414/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,106/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,951
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,988
−HK$2,067/mo
Today · 4.125%
HK$80,055
baseline
▲ 0.50% · 4.625%
HK$84,274
+HK$4,219/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,110/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,754 · Scale 2, in force from 26 Feb 2026)