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$37,748
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,922
−HK$1,193/mo
Today · 4.125%
HK$40,115
baseline
▲ 0.50% · 4.625%
HK$42,556
+HK$2,441/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,230/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,995
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,121
−HK$1,142/mo
Today · 4.125%
HK$44,263
baseline
▲ 0.50% · 4.625%
HK$46,597
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,526/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,298
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,707
−HK$1,431/mo
Today · 4.125%
HK$48,138
baseline
▲ 0.50% · 4.625%
HK$51,068
+HK$2,930/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,276/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,393
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,745
−HK$1,371/mo
Today · 4.125%
HK$53,116
baseline
▲ 0.50% · 4.625%
HK$55,916
+HK$2,800/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,232/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,848
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,491
−HK$1,671/mo
Today · 4.125%
HK$56,162
baseline
▲ 0.50% · 4.625%
HK$59,579
+HK$3,417/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,324/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,792
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,369
−HK$1,600/mo
Today · 4.125%
HK$61,969
baseline
▲ 0.50% · 4.625%
HK$65,235
+HK$3,266/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,938/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,947
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,060
−HK$2,148/mo
Today · 4.125%
HK$72,208
baseline
▲ 0.50% · 4.625%
HK$76,601
+HK$4,393/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,416/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,590
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,617
−HK$2,057/mo
Today · 4.125%
HK$79,674
baseline
▲ 0.50% · 4.625%
HK$83,874
+HK$4,200/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,348/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,789 · Scale 2, in force from 26 Feb 2026)