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$37,725
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,899
−HK$1,192/mo
Today · 4.125%
HK$40,091
baseline
▲ 0.50% · 4.625%
HK$42,530
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,182/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,969
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,094
−HK$1,142/mo
Today · 4.125%
HK$44,236
baseline
▲ 0.50% · 4.625%
HK$46,568
+HK$2,332/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,472/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,270
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,678
−HK$1,431/mo
Today · 4.125%
HK$48,109
baseline
▲ 0.50% · 4.625%
HK$51,036
+HK$2,927/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,218/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,363
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,713
−HK$1,371/mo
Today · 4.125%
HK$53,084
baseline
▲ 0.50% · 4.625%
HK$55,882
+HK$2,798/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,168/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,815
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,458
−HK$1,669/mo
Today · 4.125%
HK$56,127
baseline
▲ 0.50% · 4.625%
HK$59,542
+HK$3,415/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,254/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,756
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,332
−HK$1,599/mo
Today · 4.125%
HK$61,931
baseline
▲ 0.50% · 4.625%
HK$65,195
+HK$3,264/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,862/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,905
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,018
−HK$2,146/mo
Today · 4.125%
HK$72,164
baseline
▲ 0.50% · 4.625%
HK$76,555
+HK$4,391/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,328/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,544
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,570
−HK$2,055/mo
Today · 4.125%
HK$79,625
baseline
▲ 0.50% · 4.625%
HK$83,822
+HK$4,197/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,250/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,410 · Scale 2, in force from 26 Feb 2026)