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$37,661
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,833
−HK$1,190/mo
Today · 4.125%
HK$40,023
baseline
▲ 0.50% · 4.625%
HK$42,458
+HK$2,435/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,046/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,898
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,021
−HK$1,140/mo
Today · 4.125%
HK$44,161
baseline
▲ 0.50% · 4.625%
HK$46,489
+HK$2,328/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,322/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,193
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,599
−HK$1,429/mo
Today · 4.125%
HK$48,028
baseline
▲ 0.50% · 4.625%
HK$50,950
+HK$2,922/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,056/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,277
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,626
−HK$1,368/mo
Today · 4.125%
HK$52,994
baseline
▲ 0.50% · 4.625%
HK$55,787
+HK$2,793/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$105,988/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,726
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,366
−HK$1,666/mo
Today · 4.125%
HK$56,032
baseline
▲ 0.50% · 4.625%
HK$59,442
+HK$3,410/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,064/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,657
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,230
−HK$1,596/mo
Today · 4.125%
HK$61,826
baseline
▲ 0.50% · 4.625%
HK$65,085
+HK$3,259/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,652/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,790
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,899
−HK$2,142/mo
Today · 4.125%
HK$72,041
baseline
▲ 0.50% · 4.625%
HK$76,425
+HK$4,384/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,082/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,416
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,439
−HK$2,051/mo
Today · 4.125%
HK$79,490
baseline
▲ 0.50% · 4.625%
HK$83,680
+HK$4,190/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,980/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,359 · Scale 2, in force from 26 Feb 2026)