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$37,718
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,891
−HK$1,192/mo
Today · 4.125%
HK$40,083
baseline
▲ 0.50% · 4.625%
HK$42,522
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,166/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,961
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,086
−HK$1,142/mo
Today · 4.125%
HK$44,228
baseline
▲ 0.50% · 4.625%
HK$46,559
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,456/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,261
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,669
−HK$1,431/mo
Today · 4.125%
HK$48,100
baseline
▲ 0.50% · 4.625%
HK$51,026
+HK$2,926/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$96,200/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,353
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,703
−HK$1,370/mo
Today · 4.125%
HK$53,073
baseline
▲ 0.50% · 4.625%
HK$55,871
+HK$2,798/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$106,146/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,805
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,447
−HK$1,669/mo
Today · 4.125%
HK$56,116
baseline
▲ 0.50% · 4.625%
HK$59,531
+HK$3,415/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,232/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,745
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,320
−HK$1,599/mo
Today · 4.125%
HK$61,919
baseline
▲ 0.50% · 4.625%
HK$65,182
+HK$3,263/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,838/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,892
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$70,004
−HK$2,145/mo
Today · 4.125%
HK$72,149
baseline
▲ 0.50% · 4.625%
HK$76,539
+HK$4,390/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,298/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,529
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,555
−HK$2,055/mo
Today · 4.125%
HK$79,610
baseline
▲ 0.50% · 4.625%
HK$83,806
+HK$4,196/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,220/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,288 · Scale 2, in force from 26 Feb 2026)