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$37,693
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,866
−HK$1,191/mo
Today · 4.125%
HK$40,057
baseline
▲ 0.50% · 4.625%
HK$42,495
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,114/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,934
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,058
−HK$1,141/mo
Today · 4.125%
HK$44,199
baseline
▲ 0.50% · 4.625%
HK$46,529
+HK$2,330/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,398/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,232
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,639
−HK$1,430/mo
Today · 4.125%
HK$48,069
baseline
▲ 0.50% · 4.625%
HK$50,993
+HK$2,924/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,138/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,320
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,670
−HK$1,369/mo
Today · 4.125%
HK$53,039
baseline
▲ 0.50% · 4.625%
HK$55,835
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,078/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,771
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,412
−HK$1,668/mo
Today · 4.125%
HK$56,080
baseline
▲ 0.50% · 4.625%
HK$59,492
+HK$3,412/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,160/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,707
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,282
−HK$1,597/mo
Today · 4.125%
HK$61,879
baseline
▲ 0.50% · 4.625%
HK$65,141
+HK$3,262/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,758/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,848
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,959
−HK$2,144/mo
Today · 4.125%
HK$72,103
baseline
▲ 0.50% · 4.625%
HK$76,490
+HK$4,387/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,206/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,481
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,505
−HK$2,053/mo
Today · 4.125%
HK$79,558
baseline
▲ 0.50% · 4.625%
HK$83,752
+HK$4,194/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,116/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,889 · Scale 2, in force from 26 Feb 2026)