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$37,654
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,825
−HK$1,190/mo
Today · 4.125%
HK$40,015
baseline
▲ 0.50% · 4.625%
HK$42,450
+HK$2,435/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,030/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,889
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,013
−HK$1,139/mo
Today · 4.125%
HK$44,152
baseline
▲ 0.50% · 4.625%
HK$46,480
+HK$2,328/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,304/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,184
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,590
−HK$1,428/mo
Today · 4.125%
HK$48,018
baseline
▲ 0.50% · 4.625%
HK$50,940
+HK$2,922/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,036/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,267
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,615
−HK$1,368/mo
Today · 4.125%
HK$52,983
baseline
▲ 0.50% · 4.625%
HK$55,776
+HK$2,793/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$105,966/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,715
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,355
−HK$1,666/mo
Today · 4.125%
HK$56,021
baseline
▲ 0.50% · 4.625%
HK$59,429
+HK$3,408/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,042/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,645
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,218
−HK$1,595/mo
Today · 4.125%
HK$61,813
baseline
▲ 0.50% · 4.625%
HK$65,072
+HK$3,259/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,626/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,776
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,885
−HK$2,142/mo
Today · 4.125%
HK$72,027
baseline
▲ 0.50% · 4.625%
HK$76,409
+HK$4,382/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,054/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,401
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,423
−HK$2,051/mo
Today · 4.125%
HK$79,474
baseline
▲ 0.50% · 4.625%
HK$83,663
+HK$4,189/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,948/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,233 · Scale 2, in force from 26 Feb 2026)