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$37,737
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,911
−HK$1,193/mo
Today · 4.125%
HK$40,104
baseline
▲ 0.50% · 4.625%
HK$42,544
+HK$2,440/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,208/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,982
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,108
−HK$1,142/mo
Today · 4.125%
HK$44,250
baseline
▲ 0.50% · 4.625%
HK$46,583
+HK$2,333/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,500/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,285
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,693
−HK$1,431/mo
Today · 4.125%
HK$48,124
baseline
▲ 0.50% · 4.625%
HK$51,053
+HK$2,929/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,248/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,379
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,730
−HK$1,371/mo
Today · 4.125%
HK$53,101
baseline
▲ 0.50% · 4.625%
HK$55,900
+HK$2,799/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,202/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,832
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,476
−HK$1,669/mo
Today · 4.125%
HK$56,145
baseline
▲ 0.50% · 4.625%
HK$59,562
+HK$3,417/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,290/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,775
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,352
−HK$1,599/mo
Today · 4.125%
HK$61,951
baseline
▲ 0.50% · 4.625%
HK$65,216
+HK$3,265/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,902/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,927
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,040
−HK$2,147/mo
Today · 4.125%
HK$72,187
baseline
▲ 0.50% · 4.625%
HK$76,579
+HK$4,392/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,374/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,568
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,595
−HK$2,056/mo
Today · 4.125%
HK$79,651
baseline
▲ 0.50% · 4.625%
HK$83,849
+HK$4,198/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,302/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,609 · Scale 2, in force from 26 Feb 2026)