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$37,735
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,909
−HK$1,192/mo
Today · 4.125%
HK$40,101
baseline
▲ 0.50% · 4.625%
HK$42,542
+HK$2,441/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,202/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,574 · 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$46,580
+HK$2,332/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$620,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,282
−HK$2,840/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$620,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,376
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,727
−HK$1,371/mo
Today · 4.125%
HK$53,098
baseline
▲ 0.50% · 4.625%
HK$55,896
+HK$2,798/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$620,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,829
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,472
−HK$1,670/mo
Today · 4.125%
HK$56,142
baseline
▲ 0.50% · 4.625%
HK$59,558
+HK$3,416/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,284/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,772
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,348
−HK$1,599/mo
Today · 4.125%
HK$61,947
baseline
▲ 0.50% · 4.625%
HK$65,213
+HK$3,266/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,894/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,923
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,036
−HK$2,147/mo
Today · 4.125%
HK$72,183
baseline
▲ 0.50% · 4.625%
HK$76,575
+HK$4,392/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$620,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,564
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,591
−HK$2,055/mo
Today · 4.125%
HK$79,646
baseline
▲ 0.50% · 4.625%
HK$83,845
+HK$4,199/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,292/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,574 · Scale 2, in force from 26 Feb 2026)