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$37,760
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,934
−HK$1,194/mo
Today · 4.125%
HK$40,128
baseline
▲ 0.50% · 4.625%
HK$42,569
+HK$2,441/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,256/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,007
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,134
−HK$1,143/mo
Today · 4.125%
HK$44,277
baseline
▲ 0.50% · 4.625%
HK$46,611
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,554/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,312
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,721
−HK$1,432/mo
Today · 4.125%
HK$48,153
baseline
▲ 0.50% · 4.625%
HK$51,083
+HK$2,930/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$96,306/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,409
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,761
−HK$1,371/mo
Today · 4.125%
HK$53,132
baseline
▲ 0.50% · 4.625%
HK$55,933
+HK$2,801/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$106,264/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,864
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,508
−HK$1,671/mo
Today · 4.125%
HK$56,179
baseline
▲ 0.50% · 4.625%
HK$59,597
+HK$3,418/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,358/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,810
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,387
−HK$1,601/mo
Today · 4.125%
HK$61,988
baseline
▲ 0.50% · 4.625%
HK$65,255
+HK$3,267/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,976/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,967
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,082
−HK$2,148/mo
Today · 4.125%
HK$72,230
baseline
▲ 0.50% · 4.625%
HK$76,625
+HK$4,395/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,460/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,613
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,641
−HK$2,057/mo
Today · 4.125%
HK$79,698
baseline
▲ 0.50% · 4.625%
HK$83,899
+HK$4,201/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,396/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,978 · Scale 2, in force from 26 Feb 2026)