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$37,703
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,876
−HK$1,192/mo
Today · 4.125%
HK$40,068
baseline
▲ 0.50% · 4.625%
HK$42,506
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,136/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,944
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,069
−HK$1,142/mo
Today · 4.125%
HK$44,211
baseline
▲ 0.50% · 4.625%
HK$46,541
+HK$2,330/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,422/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,244
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,651
−HK$1,430/mo
Today · 4.125%
HK$48,081
baseline
▲ 0.50% · 4.625%
HK$51,007
+HK$2,926/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,162/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,333
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,683
−HK$1,370/mo
Today · 4.125%
HK$53,053
baseline
▲ 0.50% · 4.625%
HK$55,849
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,106/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,784
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,426
−HK$1,669/mo
Today · 4.125%
HK$56,095
baseline
▲ 0.50% · 4.625%
HK$59,508
+HK$3,413/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,190/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,722
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,297
−HK$1,598/mo
Today · 4.125%
HK$61,895
baseline
▲ 0.50% · 4.625%
HK$65,157
+HK$3,262/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,790/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,866
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,977
−HK$2,145/mo
Today · 4.125%
HK$72,122
baseline
▲ 0.50% · 4.625%
HK$76,510
+HK$4,388/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,244/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,500
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,525
−HK$2,054/mo
Today · 4.125%
HK$79,579
baseline
▲ 0.50% · 4.625%
HK$83,774
+HK$4,195/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,158/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,049 · Scale 2, in force from 26 Feb 2026)