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$37,695
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,868
−HK$1,191/mo
Today · 4.125%
HK$40,059
baseline
▲ 0.50% · 4.625%
HK$42,497
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,118/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,936
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,060
−HK$1,141/mo
Today · 4.125%
HK$44,201
baseline
▲ 0.50% · 4.625%
HK$46,531
+HK$2,330/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,402/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,235
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,642
−HK$1,429/mo
Today · 4.125%
HK$48,071
baseline
▲ 0.50% · 4.625%
HK$50,996
+HK$2,925/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,142/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,323
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,673
−HK$1,369/mo
Today · 4.125%
HK$53,042
baseline
▲ 0.50% · 4.625%
HK$55,838
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,084/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,774
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,415
−HK$1,668/mo
Today · 4.125%
HK$56,083
baseline
▲ 0.50% · 4.625%
HK$59,495
+HK$3,412/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,166/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,710
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,285
−HK$1,597/mo
Today · 4.125%
HK$61,882
baseline
▲ 0.50% · 4.625%
HK$65,144
+HK$3,262/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,764/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,852
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,962
−HK$2,145/mo
Today · 4.125%
HK$72,107
baseline
▲ 0.50% · 4.625%
HK$76,494
+HK$4,387/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,214/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,484
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,509
−HK$2,054/mo
Today · 4.125%
HK$79,563
baseline
▲ 0.50% · 4.625%
HK$83,756
+HK$4,193/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,126/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,922 · Scale 2, in force from 26 Feb 2026)