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$37,671
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,843
−HK$1,190/mo
Today · 4.125%
HK$40,033
baseline
▲ 0.50% · 4.625%
HK$42,469
+HK$2,436/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,066/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,908
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,032
−HK$1,141/mo
Today · 4.125%
HK$44,173
baseline
▲ 0.50% · 4.625%
HK$46,501
+HK$2,328/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,346/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,205
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,611
−HK$1,429/mo
Today · 4.125%
HK$48,040
baseline
▲ 0.50% · 4.625%
HK$50,963
+HK$2,923/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,080/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,290
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,639
−HK$1,368/mo
Today · 4.125%
HK$53,007
baseline
▲ 0.50% · 4.625%
HK$55,801
+HK$2,794/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$106,014/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,739
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,380
−HK$1,666/mo
Today · 4.125%
HK$56,046
baseline
▲ 0.50% · 4.625%
HK$59,457
+HK$3,411/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$112,092/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,672
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,245
−HK$1,597/mo
Today · 4.125%
HK$61,842
baseline
▲ 0.50% · 4.625%
HK$65,101
+HK$3,259/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$123,684/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,808
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,917
−HK$2,143/mo
Today · 4.125%
HK$72,060
baseline
▲ 0.50% · 4.625%
HK$76,444
+HK$4,384/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,120/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,435
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,458
−HK$2,053/mo
Today · 4.125%
HK$79,511
baseline
▲ 0.50% · 4.625%
HK$83,702
+HK$4,191/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,022/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,517 · Scale 2, in force from 26 Feb 2026)