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$37,740
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,914
−HK$1,193/mo
Today · 4.125%
HK$40,107
baseline
▲ 0.50% · 4.625%
HK$42,547
+HK$2,440/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,214/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,985
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,111
−HK$1,143/mo
Today · 4.125%
HK$44,254
baseline
▲ 0.50% · 4.625%
HK$46,586
+HK$2,332/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,508/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,288
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,697
−HK$1,431/mo
Today · 4.125%
HK$48,128
baseline
▲ 0.50% · 4.625%
HK$51,056
+HK$2,928/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,256/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,382
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,734
−HK$1,370/mo
Today · 4.125%
HK$53,104
baseline
▲ 0.50% · 4.625%
HK$55,904
+HK$2,800/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,208/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,836
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,479
−HK$1,670/mo
Today · 4.125%
HK$56,149
baseline
▲ 0.50% · 4.625%
HK$59,566
+HK$3,417/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,298/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,779
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,356
−HK$1,599/mo
Today · 4.125%
HK$61,955
baseline
▲ 0.50% · 4.625%
HK$65,221
+HK$3,266/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,910/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,932
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,045
−HK$2,147/mo
Today · 4.125%
HK$72,192
baseline
▲ 0.50% · 4.625%
HK$76,585
+HK$4,393/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,384/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,574
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,600
−HK$2,057/mo
Today · 4.125%
HK$79,657
baseline
▲ 0.50% · 4.625%
HK$83,855
+HK$4,198/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,314/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,653 · Scale 2, in force from 26 Feb 2026)