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$37,705
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,878
−HK$1,191/mo
Today · 4.125%
HK$40,069
baseline
▲ 0.50% · 4.625%
HK$42,507
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,138/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,946
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,071
−HK$1,141/mo
Today · 4.125%
HK$44,212
baseline
▲ 0.50% · 4.625%
HK$46,543
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,424/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,246
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,653
−HK$1,430/mo
Today · 4.125%
HK$48,083
baseline
▲ 0.50% · 4.625%
HK$51,009
+HK$2,926/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,166/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,335
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,685
−HK$1,370/mo
Today · 4.125%
HK$53,055
baseline
▲ 0.50% · 4.625%
HK$55,851
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,110/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,787
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,429
−HK$1,668/mo
Today · 4.125%
HK$56,097
baseline
▲ 0.50% · 4.625%
HK$59,510
+HK$3,413/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,194/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,725
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,299
−HK$1,598/mo
Today · 4.125%
HK$61,897
baseline
▲ 0.50% · 4.625%
HK$65,160
+HK$3,263/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,794/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,868
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,980
−HK$2,144/mo
Today · 4.125%
HK$72,124
baseline
▲ 0.50% · 4.625%
HK$76,513
+HK$4,389/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,248/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,503
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,528
−HK$2,054/mo
Today · 4.125%
HK$79,582
baseline
▲ 0.50% · 4.625%
HK$83,777
+HK$4,195/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,164/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,073 · Scale 2, in force from 26 Feb 2026)