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$37,736
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,910
−HK$1,193/mo
Today · 4.125%
HK$40,103
baseline
▲ 0.50% · 4.625%
HK$42,543
+HK$2,440/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,206/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,981
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,107
−HK$1,142/mo
Today · 4.125%
HK$44,249
baseline
▲ 0.50% · 4.625%
HK$46,582
+HK$2,333/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,498/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,284
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,692
−HK$1,431/mo
Today · 4.125%
HK$48,123
baseline
▲ 0.50% · 4.625%
HK$51,052
+HK$2,929/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,246/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,378
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,729
−HK$1,370/mo
Today · 4.125%
HK$53,099
baseline
▲ 0.50% · 4.625%
HK$55,898
+HK$2,799/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,198/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,831
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,474
−HK$1,670/mo
Today · 4.125%
HK$56,144
baseline
▲ 0.50% · 4.625%
HK$59,560
+HK$3,416/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,288/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,774
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,350
−HK$1,599/mo
Today · 4.125%
HK$61,949
baseline
▲ 0.50% · 4.625%
HK$65,215
+HK$3,266/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,898/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,926
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,038
−HK$2,147/mo
Today · 4.125%
HK$72,185
baseline
▲ 0.50% · 4.625%
HK$76,577
+HK$4,392/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,370/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,566
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,593
−HK$2,056/mo
Today · 4.125%
HK$79,649
baseline
▲ 0.50% · 4.625%
HK$83,847
+HK$4,198/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,298/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,595 · Scale 2, in force from 26 Feb 2026)