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$37,696
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,869
−HK$1,191/mo
Today · 4.125%
HK$40,060
baseline
▲ 0.50% · 4.625%
HK$42,498
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,120/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,937
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,061
−HK$1,141/mo
Today · 4.125%
HK$44,202
baseline
▲ 0.50% · 4.625%
HK$46,532
+HK$2,330/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,404/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,235
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,642
−HK$1,430/mo
Today · 4.125%
HK$48,072
baseline
▲ 0.50% · 4.625%
HK$50,997
+HK$2,925/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,144/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,324
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,674
−HK$1,369/mo
Today · 4.125%
HK$53,043
baseline
▲ 0.50% · 4.625%
HK$55,839
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,086/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,775
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,416
−HK$1,668/mo
Today · 4.125%
HK$56,084
baseline
▲ 0.50% · 4.625%
HK$59,497
+HK$3,413/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,168/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,711
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,286
−HK$1,597/mo
Today · 4.125%
HK$61,883
baseline
▲ 0.50% · 4.625%
HK$65,145
+HK$3,262/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,766/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,853
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,964
−HK$2,144/mo
Today · 4.125%
HK$72,108
baseline
▲ 0.50% · 4.625%
HK$76,496
+HK$4,388/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,216/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,486
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,510
−HK$2,054/mo
Today · 4.125%
HK$79,564
baseline
▲ 0.50% · 4.625%
HK$83,758
+HK$4,194/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,128/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,933 · Scale 2, in force from 26 Feb 2026)