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$37,719
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,892
−HK$1,192/mo
Today · 4.125%
HK$40,084
baseline
▲ 0.50% · 4.625%
HK$42,523
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,168/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,962
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,087
−HK$1,142/mo
Today · 4.125%
HK$44,229
baseline
▲ 0.50% · 4.625%
HK$46,560
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,458/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,263
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,671
−HK$1,430/mo
Today · 4.125%
HK$48,101
baseline
▲ 0.50% · 4.625%
HK$51,028
+HK$2,927/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$96,202/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,354
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,705
−HK$1,370/mo
Today · 4.125%
HK$53,075
baseline
▲ 0.50% · 4.625%
HK$55,872
+HK$2,797/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$106,150/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,807
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,449
−HK$1,669/mo
Today · 4.125%
HK$56,118
baseline
▲ 0.50% · 4.625%
HK$59,533
+HK$3,415/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,236/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,747
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,322
−HK$1,599/mo
Today · 4.125%
HK$61,921
baseline
▲ 0.50% · 4.625%
HK$65,185
+HK$3,264/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,842/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,894
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,006
−HK$2,146/mo
Today · 4.125%
HK$72,152
baseline
▲ 0.50% · 4.625%
HK$76,542
+HK$4,390/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,304/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,532
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,557
−HK$2,055/mo
Today · 4.125%
HK$79,612
baseline
▲ 0.50% · 4.625%
HK$83,809
+HK$4,197/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,224/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,308 · Scale 2, in force from 26 Feb 2026)