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$37,754
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,928
−HK$1,193/mo
Today · 4.125%
HK$40,121
baseline
▲ 0.50% · 4.625%
HK$42,563
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,242/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,001
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,127
−HK$1,143/mo
Today · 4.125%
HK$44,270
baseline
▲ 0.50% · 4.625%
HK$46,603
+HK$2,333/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,540/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,305
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,714
−HK$1,432/mo
Today · 4.125%
HK$48,146
baseline
▲ 0.50% · 4.625%
HK$51,075
+HK$2,929/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,292/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,401
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,753
−HK$1,371/mo
Today · 4.125%
HK$53,124
baseline
▲ 0.50% · 4.625%
HK$55,924
+HK$2,800/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,248/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,855
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,500
−HK$1,670/mo
Today · 4.125%
HK$56,170
baseline
▲ 0.50% · 4.625%
HK$59,588
+HK$3,418/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,340/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,801
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,378
−HK$1,600/mo
Today · 4.125%
HK$61,978
baseline
▲ 0.50% · 4.625%
HK$65,245
+HK$3,267/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,956/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,957
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,071
−HK$2,147/mo
Today · 4.125%
HK$72,218
baseline
▲ 0.50% · 4.625%
HK$76,613
+HK$4,395/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,436/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,601
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,629
−HK$2,057/mo
Today · 4.125%
HK$79,686
baseline
▲ 0.50% · 4.625%
HK$83,886
+HK$4,200/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,372/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,882 · Scale 2, in force from 26 Feb 2026)