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$37,648
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,819
−HK$1,189/mo
Today · 4.125%
HK$40,008
baseline
▲ 0.50% · 4.625%
HK$42,443
+HK$2,435/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,016/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,883
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$43,006
−HK$1,139/mo
Today · 4.125%
HK$44,145
baseline
▲ 0.50% · 4.625%
HK$46,472
+HK$2,327/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,290/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,177
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,582
−HK$1,428/mo
Today · 4.125%
HK$48,010
baseline
▲ 0.50% · 4.625%
HK$50,931
+HK$2,921/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$96,020/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,259
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,607
−HK$1,368/mo
Today · 4.125%
HK$52,975
baseline
▲ 0.50% · 4.625%
HK$55,767
+HK$2,792/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$105,950/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,707
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,346
−HK$1,666/mo
Today · 4.125%
HK$56,012
baseline
▲ 0.50% · 4.625%
HK$59,420
+HK$3,408/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,024/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,636
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,208
−HK$1,596/mo
Today · 4.125%
HK$61,804
baseline
▲ 0.50% · 4.625%
HK$65,061
+HK$3,257/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,608/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,766
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,874
−HK$2,141/mo
Today · 4.125%
HK$72,015
baseline
▲ 0.50% · 4.625%
HK$76,397
+HK$4,382/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,030/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,389
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,411
−HK$2,051/mo
Today · 4.125%
HK$79,462
baseline
▲ 0.50% · 4.625%
HK$83,650
+HK$4,188/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,924/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,136 · Scale 2, in force from 26 Feb 2026)