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$37,676
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,848
−HK$1,191/mo
Today · 4.125%
HK$40,039
baseline
▲ 0.50% · 4.625%
HK$42,475
+HK$2,436/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,078/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,914
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,039
−HK$1,140/mo
Today · 4.125%
HK$44,179
baseline
▲ 0.50% · 4.625%
HK$46,508
+HK$2,329/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,358/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,211
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,618
−HK$1,429/mo
Today · 4.125%
HK$48,047
baseline
▲ 0.50% · 4.625%
HK$50,970
+HK$2,923/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,094/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,297
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,646
−HK$1,369/mo
Today · 4.125%
HK$53,015
baseline
▲ 0.50% · 4.625%
HK$55,809
+HK$2,794/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$106,030/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,747
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,387
−HK$1,667/mo
Today · 4.125%
HK$56,054
baseline
▲ 0.50% · 4.625%
HK$59,465
+HK$3,411/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,108/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,680
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,254
−HK$1,596/mo
Today · 4.125%
HK$61,850
baseline
▲ 0.50% · 4.625%
HK$65,111
+HK$3,261/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,700/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,817
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,927
−HK$2,143/mo
Today · 4.125%
HK$72,070
baseline
▲ 0.50% · 4.625%
HK$76,455
+HK$4,385/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,140/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,446
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,469
−HK$2,053/mo
Today · 4.125%
HK$79,522
baseline
▲ 0.50% · 4.625%
HK$83,714
+HK$4,192/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,044/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,605 · Scale 2, in force from 26 Feb 2026)