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$37,750
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,924
−HK$1,193/mo
Today · 4.125%
HK$40,117
baseline
▲ 0.50% · 4.625%
HK$42,558
+HK$2,441/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,234/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,996
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,123
−HK$1,142/mo
Today · 4.125%
HK$44,265
baseline
▲ 0.50% · 4.625%
HK$46,599
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,530/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,300
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,709
−HK$1,432/mo
Today · 4.125%
HK$48,141
baseline
▲ 0.50% · 4.625%
HK$51,070
+HK$2,929/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,282/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,396
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,747
−HK$1,371/mo
Today · 4.125%
HK$53,118
baseline
▲ 0.50% · 4.625%
HK$55,918
+HK$2,800/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,236/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,850
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,494
−HK$1,670/mo
Today · 4.125%
HK$56,164
baseline
▲ 0.50% · 4.625%
HK$59,582
+HK$3,418/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,328/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,795
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,372
−HK$1,600/mo
Today · 4.125%
HK$61,972
baseline
▲ 0.50% · 4.625%
HK$65,238
+HK$3,266/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,944/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,950
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,064
−HK$2,147/mo
Today · 4.125%
HK$72,211
baseline
▲ 0.50% · 4.625%
HK$76,605
+HK$4,394/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,422/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,594
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,621
−HK$2,057/mo
Today · 4.125%
HK$79,678
baseline
▲ 0.50% · 4.625%
HK$83,878
+HK$4,200/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,356/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,818 · Scale 2, in force from 26 Feb 2026)