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$37,752
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,926
−HK$1,193/mo
Today · 4.125%
HK$40,119
baseline
▲ 0.50% · 4.625%
HK$42,561
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,238/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,999
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,125
−HK$1,143/mo
Today · 4.125%
HK$44,268
baseline
▲ 0.50% · 4.625%
HK$46,601
+HK$2,333/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,536/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,302
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,712
−HK$1,431/mo
Today · 4.125%
HK$48,143
baseline
▲ 0.50% · 4.625%
HK$51,073
+HK$2,930/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,286/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,399
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,750
−HK$1,371/mo
Today · 4.125%
HK$53,121
baseline
▲ 0.50% · 4.625%
HK$55,921
+HK$2,800/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,242/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,853
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,497
−HK$1,670/mo
Today · 4.125%
HK$56,167
baseline
▲ 0.50% · 4.625%
HK$59,585
+HK$3,418/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,334/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,798
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,375
−HK$1,600/mo
Today · 4.125%
HK$61,975
baseline
▲ 0.50% · 4.625%
HK$65,242
+HK$3,267/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,950/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,954
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,067
−HK$2,148/mo
Today · 4.125%
HK$72,215
baseline
▲ 0.50% · 4.625%
HK$76,609
+HK$4,394/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,430/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,598
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,625
−HK$2,057/mo
Today · 4.125%
HK$79,682
baseline
▲ 0.50% · 4.625%
HK$83,882
+HK$4,200/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,364/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,852 · Scale 2, in force from 26 Feb 2026)