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$37,708
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,881
−HK$1,191/mo
Today · 4.125%
HK$40,072
baseline
▲ 0.50% · 4.625%
HK$42,511
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,144/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,950
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,075
−HK$1,141/mo
Today · 4.125%
HK$44,216
baseline
▲ 0.50% · 4.625%
HK$46,547
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,432/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,249
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,657
−HK$1,430/mo
Today · 4.125%
HK$48,087
baseline
▲ 0.50% · 4.625%
HK$51,013
+HK$2,926/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,174/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,340
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,690
−HK$1,369/mo
Today · 4.125%
HK$53,059
baseline
▲ 0.50% · 4.625%
HK$55,856
+HK$2,797/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,118/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,791
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,433
−HK$1,668/mo
Today · 4.125%
HK$56,101
baseline
▲ 0.50% · 4.625%
HK$59,515
+HK$3,414/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,202/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,729
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,305
−HK$1,597/mo
Today · 4.125%
HK$61,902
baseline
▲ 0.50% · 4.625%
HK$65,165
+HK$3,263/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,804/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,874
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,985
−HK$2,145/mo
Today · 4.125%
HK$72,130
baseline
▲ 0.50% · 4.625%
HK$76,519
+HK$4,389/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,260/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,509
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,534
−HK$2,055/mo
Today · 4.125%
HK$79,589
baseline
▲ 0.50% · 4.625%
HK$83,784
+HK$4,195/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,178/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,126 · Scale 2, in force from 26 Feb 2026)