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$37,737
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,911
−HK$1,192/mo
Today · 4.125%
HK$40,103
baseline
▲ 0.50% · 4.625%
HK$42,544
+HK$2,441/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$620,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,982
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,108
−HK$1,142/mo
Today · 4.125%
HK$44,250
baseline
▲ 0.50% · 4.625%
HK$46,583
+HK$2,333/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,500/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,284
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,693
−HK$1,431/mo
Today · 4.125%
HK$48,124
baseline
▲ 0.50% · 4.625%
HK$51,052
+HK$2,928/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,248/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,379
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,730
−HK$1,370/mo
Today · 4.125%
HK$53,100
baseline
▲ 0.50% · 4.625%
HK$55,899
+HK$2,799/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,200/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,832
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,475
−HK$1,670/mo
Today · 4.125%
HK$56,145
baseline
▲ 0.50% · 4.625%
HK$59,561
+HK$3,416/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,290/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,775
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,351
−HK$1,599/mo
Today · 4.125%
HK$61,950
baseline
▲ 0.50% · 4.625%
HK$65,216
+HK$3,266/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,900/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,927
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,040
−HK$2,146/mo
Today · 4.125%
HK$72,186
baseline
▲ 0.50% · 4.625%
HK$76,579
+HK$4,393/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,372/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,568
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,594
−HK$2,056/mo
Today · 4.125%
HK$79,650
baseline
▲ 0.50% · 4.625%
HK$83,849
+HK$4,199/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,300/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,606 · Scale 2, in force from 26 Feb 2026)