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$37,672
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,844
−HK$1,190/mo
Today · 4.125%
HK$40,034
baseline
▲ 0.50% · 4.625%
HK$42,470
+HK$2,436/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,068/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,909
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,033
−HK$1,141/mo
Today · 4.125%
HK$44,174
baseline
▲ 0.50% · 4.625%
HK$46,502
+HK$2,328/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,348/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,206
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,612
−HK$1,429/mo
Today · 4.125%
HK$48,041
baseline
▲ 0.50% · 4.625%
HK$50,964
+HK$2,923/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,082/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,291
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,640
−HK$1,368/mo
Today · 4.125%
HK$53,008
baseline
▲ 0.50% · 4.625%
HK$55,803
+HK$2,795/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$106,016/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,740
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,381
−HK$1,667/mo
Today · 4.125%
HK$56,048
baseline
▲ 0.50% · 4.625%
HK$59,458
+HK$3,410/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$112,096/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,673
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,247
−HK$1,596/mo
Today · 4.125%
HK$61,843
baseline
▲ 0.50% · 4.625%
HK$65,103
+HK$3,260/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$123,686/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,809
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,918
−HK$2,143/mo
Today · 4.125%
HK$72,061
baseline
▲ 0.50% · 4.625%
HK$76,446
+HK$4,385/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,122/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,437
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,460
−HK$2,053/mo
Today · 4.125%
HK$79,513
baseline
▲ 0.50% · 4.625%
HK$83,704
+HK$4,191/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,026/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,532 · Scale 2, in force from 26 Feb 2026)