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$37,668
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,840
−HK$1,191/mo
Today · 4.125%
HK$40,031
baseline
▲ 0.50% · 4.625%
HK$42,466
+HK$2,435/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,062/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,906
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,030
−HK$1,140/mo
Today · 4.125%
HK$44,170
baseline
▲ 0.50% · 4.625%
HK$46,498
+HK$2,328/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,340/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,202
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,608
−HK$1,429/mo
Today · 4.125%
HK$48,037
baseline
▲ 0.50% · 4.625%
HK$50,960
+HK$2,923/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,074/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,287
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,636
−HK$1,368/mo
Today · 4.125%
HK$53,004
baseline
▲ 0.50% · 4.625%
HK$55,798
+HK$2,794/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$106,008/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,736
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,376
−HK$1,667/mo
Today · 4.125%
HK$56,043
baseline
▲ 0.50% · 4.625%
HK$59,453
+HK$3,410/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$112,086/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,668
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,241
−HK$1,597/mo
Today · 4.125%
HK$61,838
baseline
▲ 0.50% · 4.625%
HK$65,097
+HK$3,259/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$123,676/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,803
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,912
−HK$2,143/mo
Today · 4.125%
HK$72,055
baseline
▲ 0.50% · 4.625%
HK$76,439
+HK$4,384/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,110/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,430
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,453
−HK$2,053/mo
Today · 4.125%
HK$79,506
baseline
▲ 0.50% · 4.625%
HK$83,696
+HK$4,190/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,012/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,477 · Scale 2, in force from 26 Feb 2026)