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$37,679
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,851
−HK$1,191/mo
Today · 4.125%
HK$40,042
baseline
▲ 0.50% · 4.625%
HK$42,478
+HK$2,436/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,084/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,918
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,042
−HK$1,140/mo
Today · 4.125%
HK$44,182
baseline
▲ 0.50% · 4.625%
HK$46,511
+HK$2,329/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,364/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,215
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,621
−HK$1,429/mo
Today · 4.125%
HK$48,050
baseline
▲ 0.50% · 4.625%
HK$50,974
+HK$2,924/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,100/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,301
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,650
−HK$1,369/mo
Today · 4.125%
HK$53,019
baseline
▲ 0.50% · 4.625%
HK$55,813
+HK$2,794/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$106,038/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,751
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,392
−HK$1,667/mo
Today · 4.125%
HK$56,059
baseline
▲ 0.50% · 4.625%
HK$59,470
+HK$3,411/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,118/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,685
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,259
−HK$1,596/mo
Today · 4.125%
HK$61,855
baseline
▲ 0.50% · 4.625%
HK$65,116
+HK$3,261/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,710/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,822
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,932
−HK$2,143/mo
Today · 4.125%
HK$72,075
baseline
▲ 0.50% · 4.625%
HK$76,461
+HK$4,386/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,150/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,452
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,475
−HK$2,053/mo
Today · 4.125%
HK$79,528
baseline
▲ 0.50% · 4.625%
HK$83,720
+HK$4,192/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,056/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,652 · Scale 2, in force from 26 Feb 2026)