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$37,652
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,823
−HK$1,190/mo
Today · 4.125%
HK$40,013
baseline
▲ 0.50% · 4.625%
HK$42,448
+HK$2,435/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,026/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,887
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,011
−HK$1,139/mo
Today · 4.125%
HK$44,150
baseline
▲ 0.50% · 4.625%
HK$46,478
+HK$2,328/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,300/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,182
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,588
−HK$1,428/mo
Today · 4.125%
HK$48,016
baseline
▲ 0.50% · 4.625%
HK$50,937
+HK$2,921/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$96,032/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,265
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,613
−HK$1,367/mo
Today · 4.125%
HK$52,980
baseline
▲ 0.50% · 4.625%
HK$55,773
+HK$2,793/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$105,960/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,713
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,352
−HK$1,666/mo
Today · 4.125%
HK$56,018
baseline
▲ 0.50% · 4.625%
HK$59,427
+HK$3,409/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,036/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,642
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,215
−HK$1,596/mo
Today · 4.125%
HK$61,811
baseline
▲ 0.50% · 4.625%
HK$65,069
+HK$3,258/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,622/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,773
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,882
−HK$2,141/mo
Today · 4.125%
HK$72,023
baseline
▲ 0.50% · 4.625%
HK$76,406
+HK$4,383/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,046/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,397
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,419
−HK$2,052/mo
Today · 4.125%
HK$79,471
baseline
▲ 0.50% · 4.625%
HK$83,660
+HK$4,189/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,942/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,205 · Scale 2, in force from 26 Feb 2026)