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$37,684
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,856
−HK$1,191/mo
Today · 4.125%
HK$40,047
baseline
▲ 0.50% · 4.625%
HK$42,484
+HK$2,437/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,094/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,923
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,047
−HK$1,141/mo
Today · 4.125%
HK$44,188
baseline
▲ 0.50% · 4.625%
HK$46,517
+HK$2,329/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,376/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,221
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,627
−HK$1,429/mo
Today · 4.125%
HK$48,056
baseline
▲ 0.50% · 4.625%
HK$50,980
+HK$2,924/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,112/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,307
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,657
−HK$1,368/mo
Today · 4.125%
HK$53,025
baseline
▲ 0.50% · 4.625%
HK$55,820
+HK$2,795/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,050/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,757
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,398
−HK$1,668/mo
Today · 4.125%
HK$56,066
baseline
▲ 0.50% · 4.625%
HK$59,477
+HK$3,411/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,132/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,692
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,266
−HK$1,597/mo
Today · 4.125%
HK$61,863
baseline
▲ 0.50% · 4.625%
HK$65,124
+HK$3,261/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,726/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,831
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,941
−HK$2,144/mo
Today · 4.125%
HK$72,085
baseline
▲ 0.50% · 4.625%
HK$76,471
+HK$4,386/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,170/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,461
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,485
−HK$2,053/mo
Today · 4.125%
HK$79,538
baseline
▲ 0.50% · 4.625%
HK$83,731
+HK$4,193/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,076/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,731 · Scale 2, in force from 26 Feb 2026)