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$37,663
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,834
−HK$1,191/mo
Today · 4.125%
HK$40,025
baseline
▲ 0.50% · 4.625%
HK$42,460
+HK$2,435/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,050/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,900
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,023
−HK$1,140/mo
Today · 4.125%
HK$44,163
baseline
▲ 0.50% · 4.625%
HK$46,491
+HK$2,328/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,326/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,195
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,601
−HK$1,429/mo
Today · 4.125%
HK$48,030
baseline
▲ 0.50% · 4.625%
HK$50,952
+HK$2,922/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,060/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,279
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,628
−HK$1,368/mo
Today · 4.125%
HK$52,996
baseline
▲ 0.50% · 4.625%
HK$55,789
+HK$2,793/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$105,992/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,728
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,368
−HK$1,667/mo
Today · 4.125%
HK$56,035
baseline
▲ 0.50% · 4.625%
HK$59,444
+HK$3,409/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$112,070/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,659
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,233
−HK$1,596/mo
Today · 4.125%
HK$61,829
baseline
▲ 0.50% · 4.625%
HK$65,088
+HK$3,259/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$123,658/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,793
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,902
−HK$2,142/mo
Today · 4.125%
HK$72,044
baseline
▲ 0.50% · 4.625%
HK$76,428
+HK$4,384/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,088/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,419
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,442
−HK$2,052/mo
Today · 4.125%
HK$79,494
baseline
▲ 0.50% · 4.625%
HK$83,684
+HK$4,190/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$158,988/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,386 · Scale 2, in force from 26 Feb 2026)