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$37,662
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,834
−HK$1,190/mo
Today · 4.125%
HK$40,024
baseline
▲ 0.50% · 4.625%
HK$42,459
+HK$2,435/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,048/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,899
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,022
−HK$1,140/mo
Today · 4.125%
HK$44,162
baseline
▲ 0.50% · 4.625%
HK$46,490
+HK$2,328/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,324/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,195
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,600
−HK$1,429/mo
Today · 4.125%
HK$48,029
baseline
▲ 0.50% · 4.625%
HK$50,951
+HK$2,922/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,058/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,278
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,627
−HK$1,368/mo
Today · 4.125%
HK$52,995
baseline
▲ 0.50% · 4.625%
HK$55,788
+HK$2,793/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$105,990/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,727
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,367
−HK$1,666/mo
Today · 4.125%
HK$56,033
baseline
▲ 0.50% · 4.625%
HK$59,443
+HK$3,410/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,066/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,658
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,231
−HK$1,596/mo
Today · 4.125%
HK$61,827
baseline
▲ 0.50% · 4.625%
HK$65,086
+HK$3,259/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,654/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,792
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,900
−HK$2,143/mo
Today · 4.125%
HK$72,043
baseline
▲ 0.50% · 4.625%
HK$76,427
+HK$4,384/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,086/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,418
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,440
−HK$2,052/mo
Today · 4.125%
HK$79,492
baseline
▲ 0.50% · 4.625%
HK$83,682
+HK$4,190/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,984/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,373 · Scale 2, in force from 26 Feb 2026)