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$37,726
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,899
−HK$1,193/mo
Today · 4.125%
HK$40,092
baseline
▲ 0.50% · 4.625%
HK$42,531
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,184/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,970
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,095
−HK$1,142/mo
Today · 4.125%
HK$44,237
baseline
▲ 0.50% · 4.625%
HK$46,569
+HK$2,332/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,474/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,271
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,679
−HK$1,431/mo
Today · 4.125%
HK$48,110
baseline
▲ 0.50% · 4.625%
HK$51,037
+HK$2,927/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,220/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,364
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,714
−HK$1,371/mo
Today · 4.125%
HK$53,085
baseline
▲ 0.50% · 4.625%
HK$55,883
+HK$2,798/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,170/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,816
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,459
−HK$1,669/mo
Today · 4.125%
HK$56,128
baseline
▲ 0.50% · 4.625%
HK$59,543
+HK$3,415/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,256/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,757
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,333
−HK$1,599/mo
Today · 4.125%
HK$61,932
baseline
▲ 0.50% · 4.625%
HK$65,196
+HK$3,264/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,864/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,907
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,019
−HK$2,146/mo
Today · 4.125%
HK$72,165
baseline
▲ 0.50% · 4.625%
HK$76,556
+HK$4,391/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,330/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,545
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,571
−HK$2,056/mo
Today · 4.125%
HK$79,627
baseline
▲ 0.50% · 4.625%
HK$83,824
+HK$4,197/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,254/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,421 · Scale 2, in force from 26 Feb 2026)