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$37,681
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,853
−HK$1,191/mo
Today · 4.125%
HK$40,044
baseline
▲ 0.50% · 4.625%
HK$42,480
+HK$2,436/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,088/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,919
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,044
−HK$1,140/mo
Today · 4.125%
HK$44,184
baseline
▲ 0.50% · 4.625%
HK$46,513
+HK$2,329/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,368/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,217
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,623
−HK$1,429/mo
Today · 4.125%
HK$48,052
baseline
▲ 0.50% · 4.625%
HK$50,976
+HK$2,924/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,104/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,303
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,652
−HK$1,369/mo
Today · 4.125%
HK$53,021
baseline
▲ 0.50% · 4.625%
HK$55,816
+HK$2,795/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$106,042/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,753
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,394
−HK$1,667/mo
Today · 4.125%
HK$56,061
baseline
▲ 0.50% · 4.625%
HK$59,472
+HK$3,411/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,122/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,687
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,261
−HK$1,597/mo
Today · 4.125%
HK$61,858
baseline
▲ 0.50% · 4.625%
HK$65,118
+HK$3,260/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,716/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,825
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,935
−HK$2,143/mo
Today · 4.125%
HK$72,078
baseline
▲ 0.50% · 4.625%
HK$76,464
+HK$4,386/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,156/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,455
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,478
−HK$2,053/mo
Today · 4.125%
HK$79,531
baseline
▲ 0.50% · 4.625%
HK$83,724
+HK$4,193/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,062/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,678 · Scale 2, in force from 26 Feb 2026)