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$37,704
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,877
−HK$1,191/mo
Today · 4.125%
HK$40,068
baseline
▲ 0.50% · 4.625%
HK$42,506
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,136/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,945
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,070
−HK$1,142/mo
Today · 4.125%
HK$44,212
baseline
▲ 0.50% · 4.625%
HK$46,542
+HK$2,330/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,424/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,245
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,652
−HK$1,430/mo
Today · 4.125%
HK$48,082
baseline
▲ 0.50% · 4.625%
HK$51,008
+HK$2,926/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,164/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,334
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,684
−HK$1,370/mo
Today · 4.125%
HK$53,054
baseline
▲ 0.50% · 4.625%
HK$55,850
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,108/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,786
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,428
−HK$1,668/mo
Today · 4.125%
HK$56,096
baseline
▲ 0.50% · 4.625%
HK$59,509
+HK$3,413/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,192/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,724
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,298
−HK$1,598/mo
Today · 4.125%
HK$61,896
baseline
▲ 0.50% · 4.625%
HK$65,159
+HK$3,263/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,792/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,867
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,978
−HK$2,145/mo
Today · 4.125%
HK$72,123
baseline
▲ 0.50% · 4.625%
HK$76,512
+HK$4,389/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,246/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,502
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,527
−HK$2,054/mo
Today · 4.125%
HK$79,581
baseline
▲ 0.50% · 4.625%
HK$83,776
+HK$4,195/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,162/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,063 · Scale 2, in force from 26 Feb 2026)