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$37,695
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,867
−HK$1,191/mo
Today · 4.125%
HK$40,058
baseline
▲ 0.50% · 4.625%
HK$42,496
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,116/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,935
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,060
−HK$1,140/mo
Today · 4.125%
HK$44,200
baseline
▲ 0.50% · 4.625%
HK$46,530
+HK$2,330/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,400/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,234
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,641
−HK$1,429/mo
Today · 4.125%
HK$48,070
baseline
▲ 0.50% · 4.625%
HK$50,995
+HK$2,925/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,140/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,322
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,671
−HK$1,370/mo
Today · 4.125%
HK$53,041
baseline
▲ 0.50% · 4.625%
HK$55,836
+HK$2,795/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,082/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,772
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,414
−HK$1,668/mo
Today · 4.125%
HK$56,082
baseline
▲ 0.50% · 4.625%
HK$59,494
+HK$3,412/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,164/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,709
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,283
−HK$1,598/mo
Today · 4.125%
HK$61,881
baseline
▲ 0.50% · 4.625%
HK$65,142
+HK$3,261/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,762/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,850
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,961
−HK$2,144/mo
Today · 4.125%
HK$72,105
baseline
▲ 0.50% · 4.625%
HK$76,493
+HK$4,388/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,210/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,483
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,507
−HK$2,054/mo
Today · 4.125%
HK$79,561
baseline
▲ 0.50% · 4.625%
HK$83,755
+HK$4,194/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,122/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,908 · Scale 2, in force from 26 Feb 2026)