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$37,659
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,830
−HK$1,190/mo
Today · 4.125%
HK$40,020
baseline
▲ 0.50% · 4.625%
HK$42,456
+HK$2,436/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,040/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,895
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,019
−HK$1,140/mo
Today · 4.125%
HK$44,159
baseline
▲ 0.50% · 4.625%
HK$46,486
+HK$2,327/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,318/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,191
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,596
−HK$1,429/mo
Today · 4.125%
HK$48,025
baseline
▲ 0.50% · 4.625%
HK$50,947
+HK$2,922/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,050/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,274
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,623
−HK$1,367/mo
Today · 4.125%
HK$52,990
baseline
▲ 0.50% · 4.625%
HK$55,784
+HK$2,794/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$105,980/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,722
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,362
−HK$1,667/mo
Today · 4.125%
HK$56,029
baseline
▲ 0.50% · 4.625%
HK$59,438
+HK$3,409/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,058/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,653
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,226
−HK$1,596/mo
Today · 4.125%
HK$61,822
baseline
▲ 0.50% · 4.625%
HK$65,081
+HK$3,259/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,644/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,786
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,895
−HK$2,142/mo
Today · 4.125%
HK$72,037
baseline
▲ 0.50% · 4.625%
HK$76,420
+HK$4,383/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,074/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,411
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,434
−HK$2,052/mo
Today · 4.125%
HK$79,486
baseline
▲ 0.50% · 4.625%
HK$83,675
+HK$4,189/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,972/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,321 · Scale 2, in force from 26 Feb 2026)