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$37,734
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,907
−HK$1,193/mo
Today · 4.125%
HK$40,100
baseline
▲ 0.50% · 4.625%
HK$42,540
+HK$2,440/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,200/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,978
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,104
−HK$1,142/mo
Today · 4.125%
HK$44,246
baseline
▲ 0.50% · 4.625%
HK$46,579
+HK$2,333/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,492/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,280
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,689
−HK$1,431/mo
Today · 4.125%
HK$48,120
baseline
▲ 0.50% · 4.625%
HK$51,048
+HK$2,928/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,240/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,374
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,725
−HK$1,371/mo
Today · 4.125%
HK$53,096
baseline
▲ 0.50% · 4.625%
HK$55,894
+HK$2,798/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,192/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,827
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,470
−HK$1,670/mo
Today · 4.125%
HK$56,140
baseline
▲ 0.50% · 4.625%
HK$59,556
+HK$3,416/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,280/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,770
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,346
−HK$1,599/mo
Today · 4.125%
HK$61,945
baseline
▲ 0.50% · 4.625%
HK$65,210
+HK$3,265/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,890/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,921
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,033
−HK$2,147/mo
Today · 4.125%
HK$72,180
baseline
▲ 0.50% · 4.625%
HK$76,572
+HK$4,392/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,360/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,561
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,587
−HK$2,056/mo
Today · 4.125%
HK$79,643
baseline
▲ 0.50% · 4.625%
HK$83,841
+HK$4,198/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,286/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,550 · Scale 2, in force from 26 Feb 2026)