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$37,715
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,888
−HK$1,192/mo
Today · 4.125%
HK$40,080
baseline
▲ 0.50% · 4.625%
HK$42,519
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,160/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,958
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,083
−HK$1,142/mo
Today · 4.125%
HK$44,225
baseline
▲ 0.50% · 4.625%
HK$46,556
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,450/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,258
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,666
−HK$1,430/mo
Today · 4.125%
HK$48,096
baseline
▲ 0.50% · 4.625%
HK$51,023
+HK$2,927/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$96,192/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,349
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,700
−HK$1,370/mo
Today · 4.125%
HK$53,070
baseline
▲ 0.50% · 4.625%
HK$55,867
+HK$2,797/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$106,140/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,801
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,444
−HK$1,669/mo
Today · 4.125%
HK$56,113
baseline
▲ 0.50% · 4.625%
HK$59,527
+HK$3,414/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,226/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,741
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,316
−HK$1,599/mo
Today · 4.125%
HK$61,915
baseline
▲ 0.50% · 4.625%
HK$65,178
+HK$3,263/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,830/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,888
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,999
−HK$2,146/mo
Today · 4.125%
HK$72,145
baseline
▲ 0.50% · 4.625%
HK$76,535
+HK$4,390/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,290/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,524
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,550
−HK$2,055/mo
Today · 4.125%
HK$79,605
baseline
▲ 0.50% · 4.625%
HK$83,801
+HK$4,196/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,210/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,248 · Scale 2, in force from 26 Feb 2026)