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$37,734
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,908
−HK$1,193/mo
Today · 4.125%
HK$40,101
baseline
▲ 0.50% · 4.625%
HK$42,541
+HK$2,440/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,202/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,979
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,105
−HK$1,142/mo
Today · 4.125%
HK$44,247
baseline
▲ 0.50% · 4.625%
HK$46,580
+HK$2,333/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,494/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,281
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,690
−HK$1,431/mo
Today · 4.125%
HK$48,121
baseline
▲ 0.50% · 4.625%
HK$51,049
+HK$2,928/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,242/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,375
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,726
−HK$1,371/mo
Today · 4.125%
HK$53,097
baseline
▲ 0.50% · 4.625%
HK$55,895
+HK$2,798/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,194/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,828
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,471
−HK$1,670/mo
Today · 4.125%
HK$56,141
baseline
▲ 0.50% · 4.625%
HK$59,557
+HK$3,416/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,282/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,771
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,347
−HK$1,599/mo
Today · 4.125%
HK$61,946
baseline
▲ 0.50% · 4.625%
HK$65,211
+HK$3,265/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,892/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,922
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,035
−HK$2,146/mo
Today · 4.125%
HK$72,181
baseline
▲ 0.50% · 4.625%
HK$76,573
+HK$4,392/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,362/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,563
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,589
−HK$2,056/mo
Today · 4.125%
HK$79,645
baseline
▲ 0.50% · 4.625%
HK$83,843
+HK$4,198/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,290/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,563 · Scale 2, in force from 26 Feb 2026)