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$37,746
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,920
−HK$1,192/mo
Today · 4.125%
HK$40,112
baseline
▲ 0.50% · 4.625%
HK$42,553
+HK$2,441/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,224/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,992
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,118
−HK$1,142/mo
Today · 4.125%
HK$44,260
baseline
▲ 0.50% · 4.625%
HK$46,593
+HK$2,333/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,520/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,295
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,704
−HK$1,431/mo
Today · 4.125%
HK$48,135
baseline
▲ 0.50% · 4.625%
HK$51,064
+HK$2,929/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,270/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,390
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,741
−HK$1,371/mo
Today · 4.125%
HK$53,112
baseline
▲ 0.50% · 4.625%
HK$55,912
+HK$2,800/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,224/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,844
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,487
−HK$1,670/mo
Today · 4.125%
HK$56,157
baseline
▲ 0.50% · 4.625%
HK$59,575
+HK$3,418/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,314/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,788
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,365
−HK$1,599/mo
Today · 4.125%
HK$61,964
baseline
▲ 0.50% · 4.625%
HK$65,230
+HK$3,266/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,928/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,942
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,055
−HK$2,147/mo
Today · 4.125%
HK$72,202
baseline
▲ 0.50% · 4.625%
HK$76,596
+HK$4,394/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,404/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,585
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,612
−HK$2,056/mo
Today · 4.125%
HK$79,668
baseline
▲ 0.50% · 4.625%
HK$83,868
+HK$4,200/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,336/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,745 · Scale 2, in force from 26 Feb 2026)