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$2,363/mo
▼ 0.25% · 3.875%
HK$38,844
−HK$1,191/mo
Today · 4.125%
HK$40,035
baseline
▲ 0.50% · 4.625%
HK$42,471
+HK$2,436/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,070/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,910
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,034
−HK$1,140/mo
Today · 4.125%
HK$44,174
baseline
▲ 0.50% · 4.625%
HK$46,503
+HK$2,329/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$619,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,207
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,613
−HK$1,429/mo
Today · 4.125%
HK$48,042
baseline
▲ 0.50% · 4.625%
HK$50,965
+HK$2,923/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,084/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,292
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,641
−HK$1,368/mo
Today · 4.125%
HK$53,009
baseline
▲ 0.50% · 4.625%
HK$55,804
+HK$2,795/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$106,018/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,741
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,382
−HK$1,667/mo
Today · 4.125%
HK$56,049
baseline
▲ 0.50% · 4.625%
HK$59,459
+HK$3,410/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$112,098/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,674
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,248
−HK$1,596/mo
Today · 4.125%
HK$61,844
baseline
▲ 0.50% · 4.625%
HK$65,104
+HK$3,260/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$123,688/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,810
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,920
−HK$2,143/mo
Today · 4.125%
HK$72,063
baseline
▲ 0.50% · 4.625%
HK$76,447
+HK$4,384/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,126/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,438
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,462
−HK$2,052/mo
Today · 4.125%
HK$79,514
baseline
▲ 0.50% · 4.625%
HK$83,705
+HK$4,191/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,028/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,543 · Scale 2, in force from 26 Feb 2026)