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$37,745
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,919
−HK$1,193/mo
Today · 4.125%
HK$40,112
baseline
▲ 0.50% · 4.625%
HK$42,552
+HK$2,440/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,224/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,991
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,117
−HK$1,142/mo
Today · 4.125%
HK$44,259
baseline
▲ 0.50% · 4.625%
HK$46,592
+HK$2,333/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,518/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,294
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,703
−HK$1,431/mo
Today · 4.125%
HK$48,134
baseline
▲ 0.50% · 4.625%
HK$51,063
+HK$2,929/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,268/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,389
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,740
−HK$1,371/mo
Today · 4.125%
HK$53,111
baseline
▲ 0.50% · 4.625%
HK$55,911
+HK$2,800/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,222/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,843
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,486
−HK$1,670/mo
Today · 4.125%
HK$56,156
baseline
▲ 0.50% · 4.625%
HK$59,573
+HK$3,417/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,312/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,787
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,364
−HK$1,599/mo
Today · 4.125%
HK$61,963
baseline
▲ 0.50% · 4.625%
HK$65,229
+HK$3,266/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,926/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,941
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,054
−HK$2,147/mo
Today · 4.125%
HK$72,201
baseline
▲ 0.50% · 4.625%
HK$76,594
+HK$4,393/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,402/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,583
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,610
−HK$2,057/mo
Today · 4.125%
HK$79,667
baseline
▲ 0.50% · 4.625%
HK$83,866
+HK$4,199/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,334/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,734 · Scale 2, in force from 26 Feb 2026)