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$37,686
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,858
−HK$1,191/mo
Today · 4.125%
HK$40,049
baseline
▲ 0.50% · 4.625%
HK$42,486
+HK$2,437/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,098/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,925
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,050
−HK$1,140/mo
Today · 4.125%
HK$44,190
baseline
▲ 0.50% · 4.625%
HK$46,520
+HK$2,330/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,380/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,223
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,630
−HK$1,429/mo
Today · 4.125%
HK$48,059
baseline
▲ 0.50% · 4.625%
HK$50,983
+HK$2,924/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,118/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,310
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,659
−HK$1,369/mo
Today · 4.125%
HK$53,028
baseline
▲ 0.50% · 4.625%
HK$55,823
+HK$2,795/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,056/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,760
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,401
−HK$1,668/mo
Today · 4.125%
HK$56,069
baseline
▲ 0.50% · 4.625%
HK$59,480
+HK$3,411/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,138/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,695
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,269
−HK$1,597/mo
Today · 4.125%
HK$61,866
baseline
▲ 0.50% · 4.625%
HK$65,127
+HK$3,261/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,732/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,835
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,945
−HK$2,143/mo
Today · 4.125%
HK$72,088
baseline
▲ 0.50% · 4.625%
HK$76,475
+HK$4,387/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,176/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,465
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,489
−HK$2,053/mo
Today · 4.125%
HK$79,542
baseline
▲ 0.50% · 4.625%
HK$83,735
+HK$4,193/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,084/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,764 · Scale 2, in force from 26 Feb 2026)