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$37,666
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,838
−HK$1,190/mo
Today · 4.125%
HK$40,028
baseline
▲ 0.50% · 4.625%
HK$42,464
+HK$2,436/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,056/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,903
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,027
−HK$1,140/mo
Today · 4.125%
HK$44,167
baseline
▲ 0.50% · 4.625%
HK$46,495
+HK$2,328/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,334/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,199
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,605
−HK$1,429/mo
Today · 4.125%
HK$48,034
baseline
▲ 0.50% · 4.625%
HK$50,957
+HK$2,923/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,068/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,284
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,632
−HK$1,369/mo
Today · 4.125%
HK$53,001
baseline
▲ 0.50% · 4.625%
HK$55,794
+HK$2,793/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$106,002/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,733
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,373
−HK$1,666/mo
Today · 4.125%
HK$56,039
baseline
▲ 0.50% · 4.625%
HK$59,449
+HK$3,410/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$112,078/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,665
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,238
−HK$1,596/mo
Today · 4.125%
HK$61,834
baseline
▲ 0.50% · 4.625%
HK$65,093
+HK$3,259/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$123,668/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,799
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,908
−HK$2,143/mo
Today · 4.125%
HK$72,051
baseline
▲ 0.50% · 4.625%
HK$76,435
+HK$4,384/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,102/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,426
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,449
−HK$2,052/mo
Today · 4.125%
HK$79,501
baseline
▲ 0.50% · 4.625%
HK$83,691
+HK$4,190/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,002/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,440 · Scale 2, in force from 26 Feb 2026)