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$37,736
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,909
−HK$1,193/mo
Today · 4.125%
HK$40,102
baseline
▲ 0.50% · 4.625%
HK$42,542
+HK$2,440/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,204/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,980
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,106
−HK$1,142/mo
Today · 4.125%
HK$44,248
baseline
▲ 0.50% · 4.625%
HK$46,581
+HK$2,333/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,496/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,283
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,691
−HK$1,431/mo
Today · 4.125%
HK$48,122
baseline
▲ 0.50% · 4.625%
HK$51,050
+HK$2,928/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,244/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,376
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,728
−HK$1,370/mo
Today · 4.125%
HK$53,098
baseline
▲ 0.50% · 4.625%
HK$55,897
+HK$2,799/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,196/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,830
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,473
−HK$1,670/mo
Today · 4.125%
HK$56,143
baseline
▲ 0.50% · 4.625%
HK$59,559
+HK$3,416/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,286/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,773
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,349
−HK$1,599/mo
Today · 4.125%
HK$61,948
baseline
▲ 0.50% · 4.625%
HK$65,213
+HK$3,265/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,896/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,924
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,037
−HK$2,146/mo
Today · 4.125%
HK$72,183
baseline
▲ 0.50% · 4.625%
HK$76,576
+HK$4,393/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,366/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,565
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,591
−HK$2,056/mo
Today · 4.125%
HK$79,647
baseline
▲ 0.50% · 4.625%
HK$83,846
+HK$4,199/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,294/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,581 · Scale 2, in force from 26 Feb 2026)