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$37,706
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,879
−HK$1,191/mo
Today · 4.125%
HK$40,070
baseline
▲ 0.50% · 4.625%
HK$42,509
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,140/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,948
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,073
−HK$1,141/mo
Today · 4.125%
HK$44,214
baseline
▲ 0.50% · 4.625%
HK$46,544
+HK$2,330/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,428/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,247
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,655
−HK$1,430/mo
Today · 4.125%
HK$48,085
baseline
▲ 0.50% · 4.625%
HK$51,010
+HK$2,925/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,170/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,337
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,687
−HK$1,370/mo
Today · 4.125%
HK$53,057
baseline
▲ 0.50% · 4.625%
HK$55,853
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,114/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,788
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,430
−HK$1,669/mo
Today · 4.125%
HK$56,099
baseline
▲ 0.50% · 4.625%
HK$59,512
+HK$3,413/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,198/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,727
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,302
−HK$1,597/mo
Today · 4.125%
HK$61,899
baseline
▲ 0.50% · 4.625%
HK$65,162
+HK$3,263/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,798/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,871
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,982
−HK$2,145/mo
Today · 4.125%
HK$72,127
baseline
▲ 0.50% · 4.625%
HK$76,516
+HK$4,389/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,254/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,506
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,531
−HK$2,054/mo
Today · 4.125%
HK$79,585
baseline
▲ 0.50% · 4.625%
HK$83,780
+HK$4,195/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,170/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,095 · Scale 2, in force from 26 Feb 2026)