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$37,711
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,884
−HK$1,191/mo
Today · 4.125%
HK$40,075
baseline
▲ 0.50% · 4.625%
HK$42,514
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,150/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,953
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,078
−HK$1,141/mo
Today · 4.125%
HK$44,219
baseline
▲ 0.50% · 4.625%
HK$46,550
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,438/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,253
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,660
−HK$1,431/mo
Today · 4.125%
HK$48,091
baseline
▲ 0.50% · 4.625%
HK$51,017
+HK$2,926/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$96,182/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,343
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,693
−HK$1,370/mo
Today · 4.125%
HK$53,063
baseline
▲ 0.50% · 4.625%
HK$55,860
+HK$2,797/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$106,126/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,795
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,437
−HK$1,669/mo
Today · 4.125%
HK$56,106
baseline
▲ 0.50% · 4.625%
HK$59,520
+HK$3,414/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,212/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,734
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,309
−HK$1,598/mo
Today · 4.125%
HK$61,907
baseline
▲ 0.50% · 4.625%
HK$65,170
+HK$3,263/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,814/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,879
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,991
−HK$2,145/mo
Today · 4.125%
HK$72,136
baseline
▲ 0.50% · 4.625%
HK$76,525
+HK$4,389/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,272/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,515
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,540
−HK$2,055/mo
Today · 4.125%
HK$79,595
baseline
▲ 0.50% · 4.625%
HK$83,790
+HK$4,195/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,190/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,172 · Scale 2, in force from 26 Feb 2026)