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$37,741
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,915
−HK$1,193/mo
Today · 4.125%
HK$40,108
baseline
▲ 0.50% · 4.625%
HK$42,548
+HK$2,440/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,216/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,987
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,113
−HK$1,142/mo
Today · 4.125%
HK$44,255
baseline
▲ 0.50% · 4.625%
HK$46,588
+HK$2,333/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,510/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,289
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,698
−HK$1,431/mo
Today · 4.125%
HK$48,129
baseline
▲ 0.50% · 4.625%
HK$51,058
+HK$2,929/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,258/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,384
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,735
−HK$1,371/mo
Today · 4.125%
HK$53,106
baseline
▲ 0.50% · 4.625%
HK$55,905
+HK$2,799/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,212/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,838
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,481
−HK$1,670/mo
Today · 4.125%
HK$56,151
baseline
▲ 0.50% · 4.625%
HK$59,568
+HK$3,417/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,302/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,781
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,358
−HK$1,599/mo
Today · 4.125%
HK$61,957
baseline
▲ 0.50% · 4.625%
HK$65,223
+HK$3,266/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,914/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,934
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,047
−HK$2,147/mo
Today · 4.125%
HK$72,194
baseline
▲ 0.50% · 4.625%
HK$76,587
+HK$4,393/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,388/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,576
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,603
−HK$2,056/mo
Today · 4.125%
HK$79,659
baseline
▲ 0.50% · 4.625%
HK$83,858
+HK$4,199/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,318/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,673 · Scale 2, in force from 26 Feb 2026)