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$37,711
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,884
−HK$1,192/mo
Today · 4.125%
HK$40,076
baseline
▲ 0.50% · 4.625%
HK$42,515
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,152/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,953
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,079
−HK$1,141/mo
Today · 4.125%
HK$44,220
baseline
▲ 0.50% · 4.625%
HK$46,551
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,440/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,254
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,661
−HK$1,430/mo
Today · 4.125%
HK$48,091
baseline
▲ 0.50% · 4.625%
HK$51,018
+HK$2,927/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$96,182/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,344
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,694
−HK$1,370/mo
Today · 4.125%
HK$53,064
baseline
▲ 0.50% · 4.625%
HK$55,861
+HK$2,797/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$106,128/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,796
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,438
−HK$1,669/mo
Today · 4.125%
HK$56,107
baseline
▲ 0.50% · 4.625%
HK$59,521
+HK$3,414/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,214/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,735
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,310
−HK$1,598/mo
Today · 4.125%
HK$61,908
baseline
▲ 0.50% · 4.625%
HK$65,171
+HK$3,263/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,816/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,880
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,992
−HK$2,145/mo
Today · 4.125%
HK$72,137
baseline
▲ 0.50% · 4.625%
HK$76,526
+HK$4,389/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,274/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,516
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,542
−HK$2,054/mo
Today · 4.125%
HK$79,596
baseline
▲ 0.50% · 4.625%
HK$83,792
+HK$4,196/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,192/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,183 · Scale 2, in force from 26 Feb 2026)