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$37,673
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,845
−HK$1,190/mo
Today · 4.125%
HK$40,035
baseline
▲ 0.50% · 4.625%
HK$42,471
+HK$2,436/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,070/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,911
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,035
−HK$1,140/mo
Today · 4.125%
HK$44,175
baseline
▲ 0.50% · 4.625%
HK$46,504
+HK$2,329/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,350/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,208
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,614
−HK$1,428/mo
Today · 4.125%
HK$48,042
baseline
▲ 0.50% · 4.625%
HK$50,966
+HK$2,924/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,084/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,293
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,642
−HK$1,368/mo
Today · 4.125%
HK$53,010
baseline
▲ 0.50% · 4.625%
HK$55,804
+HK$2,794/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$106,020/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,742
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,383
−HK$1,666/mo
Today · 4.125%
HK$56,049
baseline
▲ 0.50% · 4.625%
HK$59,460
+HK$3,411/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$112,098/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,675
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,249
−HK$1,596/mo
Today · 4.125%
HK$61,845
baseline
▲ 0.50% · 4.625%
HK$65,105
+HK$3,260/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$123,690/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,811
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,921
−HK$2,143/mo
Today · 4.125%
HK$72,064
baseline
▲ 0.50% · 4.625%
HK$76,449
+HK$4,385/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,128/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,439
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,463
−HK$2,052/mo
Today · 4.125%
HK$79,515
baseline
▲ 0.50% · 4.625%
HK$83,706
+HK$4,191/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,030/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,551 · Scale 2, in force from 26 Feb 2026)