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$37,702
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,875
−HK$1,191/mo
Today · 4.125%
HK$40,066
baseline
▲ 0.50% · 4.625%
HK$42,504
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,132/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,943
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,068
−HK$1,141/mo
Today · 4.125%
HK$44,209
baseline
▲ 0.50% · 4.625%
HK$46,540
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,418/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,243
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,650
−HK$1,430/mo
Today · 4.125%
HK$48,080
baseline
▲ 0.50% · 4.625%
HK$51,005
+HK$2,925/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,160/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,332
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,682
−HK$1,369/mo
Today · 4.125%
HK$53,051
baseline
▲ 0.50% · 4.625%
HK$55,847
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,102/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,783
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,425
−HK$1,668/mo
Today · 4.125%
HK$56,093
baseline
▲ 0.50% · 4.625%
HK$59,506
+HK$3,413/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,186/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,720
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,295
−HK$1,598/mo
Today · 4.125%
HK$61,893
baseline
▲ 0.50% · 4.625%
HK$65,155
+HK$3,262/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,786/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,864
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,975
−HK$2,144/mo
Today · 4.125%
HK$72,119
baseline
▲ 0.50% · 4.625%
HK$76,508
+HK$4,389/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,238/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,498
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,523
−HK$2,054/mo
Today · 4.125%
HK$79,577
baseline
▲ 0.50% · 4.625%
HK$83,771
+HK$4,194/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,154/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,031 · Scale 2, in force from 26 Feb 2026)