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$37,728
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,901
−HK$1,192/mo
Today · 4.125%
HK$40,093
baseline
▲ 0.50% · 4.625%
HK$42,533
+HK$2,440/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,186/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,972
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,097
−HK$1,142/mo
Today · 4.125%
HK$44,239
baseline
▲ 0.50% · 4.625%
HK$46,571
+HK$2,332/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,478/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,273
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,681
−HK$1,431/mo
Today · 4.125%
HK$48,112
baseline
▲ 0.50% · 4.625%
HK$51,040
+HK$2,928/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,224/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,366
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,717
−HK$1,370/mo
Today · 4.125%
HK$53,087
baseline
▲ 0.50% · 4.625%
HK$55,885
+HK$2,798/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,174/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,819
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,462
−HK$1,669/mo
Today · 4.125%
HK$56,131
baseline
▲ 0.50% · 4.625%
HK$59,546
+HK$3,415/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,262/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,760
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,336
−HK$1,599/mo
Today · 4.125%
HK$61,935
baseline
▲ 0.50% · 4.625%
HK$65,200
+HK$3,265/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,870/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,910
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,022
−HK$2,146/mo
Today · 4.125%
HK$72,168
baseline
▲ 0.50% · 4.625%
HK$76,559
+HK$4,391/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,336/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,549
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,575
−HK$2,056/mo
Today · 4.125%
HK$79,631
baseline
▲ 0.50% · 4.625%
HK$83,828
+HK$4,197/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,262/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,451 · Scale 2, in force from 26 Feb 2026)