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$37,678
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,850
−HK$1,191/mo
Today · 4.125%
HK$40,041
baseline
▲ 0.50% · 4.625%
HK$42,477
+HK$2,436/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,082/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,916
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,040
−HK$1,141/mo
Today · 4.125%
HK$44,181
baseline
▲ 0.50% · 4.625%
HK$46,510
+HK$2,329/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,362/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,213
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,620
−HK$1,429/mo
Today · 4.125%
HK$48,049
baseline
▲ 0.50% · 4.625%
HK$50,972
+HK$2,923/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,098/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,299
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,648
−HK$1,369/mo
Today · 4.125%
HK$53,017
baseline
▲ 0.50% · 4.625%
HK$55,811
+HK$2,794/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$106,034/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,749
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,390
−HK$1,667/mo
Today · 4.125%
HK$56,057
baseline
▲ 0.50% · 4.625%
HK$59,468
+HK$3,411/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,114/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,683
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,256
−HK$1,597/mo
Today · 4.125%
HK$61,853
baseline
▲ 0.50% · 4.625%
HK$65,113
+HK$3,260/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,706/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,820
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,930
−HK$2,143/mo
Today · 4.125%
HK$72,073
baseline
▲ 0.50% · 4.625%
HK$76,458
+HK$4,385/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,146/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,449
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,473
−HK$2,052/mo
Today · 4.125%
HK$79,525
baseline
▲ 0.50% · 4.625%
HK$83,717
+HK$4,192/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,050/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,631 · Scale 2, in force from 26 Feb 2026)