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$2,365/mo
▼ 0.25% · 3.875%
HK$38,877
−HK$1,192/mo
Today · 4.125%
HK$40,069
baseline
▲ 0.50% · 4.625%
HK$42,507
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,138/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,946
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,071
−HK$1,141/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$620,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,245
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,653
−HK$1,430/mo
Today · 4.125%
HK$48,083
baseline
▲ 0.50% · 4.625%
HK$51,008
+HK$2,925/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,166/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,335
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,685
−HK$1,369/mo
Today · 4.125%
HK$53,054
baseline
▲ 0.50% · 4.625%
HK$55,851
+HK$2,797/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$620,068 · 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$59,510
+HK$3,414/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$620,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,724
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,299
−HK$1,598/mo
Today · 4.125%
HK$61,897
baseline
▲ 0.50% · 4.625%
HK$65,159
+HK$3,262/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,794/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,868
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,979
−HK$2,145/mo
Today · 4.125%
HK$72,124
baseline
▲ 0.50% · 4.625%
HK$76,512
+HK$4,388/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,248/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,068 · 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$620,068 · Scale 2, in force from 26 Feb 2026)