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$37,733
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,906
−HK$1,193/mo
Today · 4.125%
HK$40,099
baseline
▲ 0.50% · 4.625%
HK$42,539
+HK$2,440/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,198/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,977
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,103
−HK$1,142/mo
Today · 4.125%
HK$44,245
baseline
▲ 0.50% · 4.625%
HK$46,577
+HK$2,332/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,490/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,279
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,688
−HK$1,431/mo
Today · 4.125%
HK$48,119
baseline
▲ 0.50% · 4.625%
HK$51,046
+HK$2,927/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,238/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,373
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,724
−HK$1,370/mo
Today · 4.125%
HK$53,094
baseline
▲ 0.50% · 4.625%
HK$55,893
+HK$2,799/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,188/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,826
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,469
−HK$1,669/mo
Today · 4.125%
HK$56,138
baseline
▲ 0.50% · 4.625%
HK$59,554
+HK$3,416/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,276/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,768
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,344
−HK$1,599/mo
Today · 4.125%
HK$61,943
baseline
▲ 0.50% · 4.625%
HK$65,208
+HK$3,265/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,886/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,919
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,031
−HK$2,147/mo
Today · 4.125%
HK$72,178
baseline
▲ 0.50% · 4.625%
HK$76,570
+HK$4,392/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,356/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,559
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,585
−HK$2,056/mo
Today · 4.125%
HK$79,641
baseline
▲ 0.50% · 4.625%
HK$83,839
+HK$4,198/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,282/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,533 · Scale 2, in force from 26 Feb 2026)