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$37,694
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,866
−HK$1,192/mo
Today · 4.125%
HK$40,058
baseline
▲ 0.50% · 4.625%
HK$42,495
+HK$2,437/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,116/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,934
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,059
−HK$1,141/mo
Today · 4.125%
HK$44,200
baseline
▲ 0.50% · 4.625%
HK$46,530
+HK$2,330/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,400/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,233
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,640
−HK$1,429/mo
Today · 4.125%
HK$48,069
baseline
▲ 0.50% · 4.625%
HK$50,994
+HK$2,925/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,138/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,321
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,671
−HK$1,369/mo
Today · 4.125%
HK$53,040
baseline
▲ 0.50% · 4.625%
HK$55,835
+HK$2,795/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,080/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,772
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,413
−HK$1,668/mo
Today · 4.125%
HK$56,081
baseline
▲ 0.50% · 4.625%
HK$59,493
+HK$3,412/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,162/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,708
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,282
−HK$1,598/mo
Today · 4.125%
HK$61,880
baseline
▲ 0.50% · 4.625%
HK$65,141
+HK$3,261/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,760/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,849
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,960
−HK$2,144/mo
Today · 4.125%
HK$72,104
baseline
▲ 0.50% · 4.625%
HK$76,491
+HK$4,387/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,208/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,481
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,506
−HK$2,053/mo
Today · 4.125%
HK$79,559
baseline
▲ 0.50% · 4.625%
HK$83,753
+HK$4,194/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,118/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,897 · Scale 2, in force from 26 Feb 2026)