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$37,694
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,866
−HK$1,191/mo
Today · 4.125%
HK$40,057
baseline
▲ 0.50% · 4.625%
HK$42,495
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,114/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,934
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,059
−HK$1,140/mo
Today · 4.125%
HK$44,199
baseline
▲ 0.50% · 4.625%
HK$46,529
+HK$2,330/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,398/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,232
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,639
−HK$1,430/mo
Today · 4.125%
HK$48,069
baseline
▲ 0.50% · 4.625%
HK$50,994
+HK$2,925/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,138/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,321
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,670
−HK$1,369/mo
Today · 4.125%
HK$53,039
baseline
▲ 0.50% · 4.625%
HK$55,835
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,078/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,771
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,413
−HK$1,667/mo
Today · 4.125%
HK$56,080
baseline
▲ 0.50% · 4.625%
HK$59,493
+HK$3,413/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,160/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,707
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,282
−HK$1,597/mo
Today · 4.125%
HK$61,879
baseline
▲ 0.50% · 4.625%
HK$65,141
+HK$3,262/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,758/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,849
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,959
−HK$2,144/mo
Today · 4.125%
HK$72,103
baseline
▲ 0.50% · 4.625%
HK$76,491
+HK$4,388/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,206/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,481
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,505
−HK$2,054/mo
Today · 4.125%
HK$79,559
baseline
▲ 0.50% · 4.625%
HK$83,753
+HK$4,194/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,118/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,893 · Scale 2, in force from 26 Feb 2026)