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$37,709
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,882
−HK$1,192/mo
Today · 4.125%
HK$40,074
baseline
▲ 0.50% · 4.625%
HK$42,512
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,148/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,951
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,076
−HK$1,141/mo
Today · 4.125%
HK$44,217
baseline
▲ 0.50% · 4.625%
HK$46,548
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,434/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,251
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,658
−HK$1,430/mo
Today · 4.125%
HK$48,088
baseline
▲ 0.50% · 4.625%
HK$51,014
+HK$2,926/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,176/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,341
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,691
−HK$1,370/mo
Today · 4.125%
HK$53,061
baseline
▲ 0.50% · 4.625%
HK$55,858
+HK$2,797/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,122/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,793
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,435
−HK$1,668/mo
Today · 4.125%
HK$56,103
baseline
▲ 0.50% · 4.625%
HK$59,517
+HK$3,414/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,206/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,731
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,306
−HK$1,598/mo
Today · 4.125%
HK$61,904
baseline
▲ 0.50% · 4.625%
HK$65,167
+HK$3,263/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,808/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,876
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,987
−HK$2,146/mo
Today · 4.125%
HK$72,133
baseline
▲ 0.50% · 4.625%
HK$76,522
+HK$4,389/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,266/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,511
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,537
−HK$2,054/mo
Today · 4.125%
HK$79,591
baseline
▲ 0.50% · 4.625%
HK$83,786
+HK$4,195/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,182/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,143 · Scale 2, in force from 26 Feb 2026)