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$37,727
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,901
−HK$1,192/mo
Today · 4.125%
HK$40,093
baseline
▲ 0.50% · 4.625%
HK$42,532
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,186/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,971
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,097
−HK$1,141/mo
Today · 4.125%
HK$44,238
baseline
▲ 0.50% · 4.625%
HK$46,570
+HK$2,332/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,476/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,272
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,681
−HK$1,430/mo
Today · 4.125%
HK$48,111
baseline
▲ 0.50% · 4.625%
HK$51,039
+HK$2,928/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,222/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,365
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,716
−HK$1,370/mo
Today · 4.125%
HK$53,086
baseline
▲ 0.50% · 4.625%
HK$55,884
+HK$2,798/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,172/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,818
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,461
−HK$1,669/mo
Today · 4.125%
HK$56,130
baseline
▲ 0.50% · 4.625%
HK$59,545
+HK$3,415/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,260/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,759
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,335
−HK$1,599/mo
Today · 4.125%
HK$61,934
baseline
▲ 0.50% · 4.625%
HK$65,198
+HK$3,264/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,868/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,909
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,021
−HK$2,146/mo
Today · 4.125%
HK$72,167
baseline
▲ 0.50% · 4.625%
HK$76,558
+HK$4,391/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,334/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,548
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,574
−HK$2,055/mo
Today · 4.125%
HK$79,629
baseline
▲ 0.50% · 4.625%
HK$83,827
+HK$4,198/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,258/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,441 · Scale 2, in force from 26 Feb 2026)