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$37,728
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,902
−HK$1,192/mo
Today · 4.125%
HK$40,094
baseline
▲ 0.50% · 4.625%
HK$42,534
+HK$2,440/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,188/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,973
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,098
−HK$1,142/mo
Today · 4.125%
HK$44,240
baseline
▲ 0.50% · 4.625%
HK$46,572
+HK$2,332/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,480/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,274
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,682
−HK$1,431/mo
Today · 4.125%
HK$48,113
baseline
▲ 0.50% · 4.625%
HK$51,041
+HK$2,928/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,226/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,367
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,718
−HK$1,370/mo
Today · 4.125%
HK$53,088
baseline
▲ 0.50% · 4.625%
HK$55,887
+HK$2,799/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,176/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,820
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,463
−HK$1,669/mo
Today · 4.125%
HK$56,132
baseline
▲ 0.50% · 4.625%
HK$59,548
+HK$3,416/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,264/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,762
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,337
−HK$1,599/mo
Today · 4.125%
HK$61,936
baseline
▲ 0.50% · 4.625%
HK$65,201
+HK$3,265/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,872/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,911
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,024
−HK$2,146/mo
Today · 4.125%
HK$72,170
baseline
▲ 0.50% · 4.625%
HK$76,561
+HK$4,391/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,340/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,551
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,577
−HK$2,055/mo
Today · 4.125%
HK$79,632
baseline
▲ 0.50% · 4.625%
HK$83,830
+HK$4,198/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,264/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,464 · Scale 2, in force from 26 Feb 2026)