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$37,712
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,885
−HK$1,192/mo
Today · 4.125%
HK$40,077
baseline
▲ 0.50% · 4.625%
HK$42,516
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,154/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,955
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,080
−HK$1,141/mo
Today · 4.125%
HK$44,221
baseline
▲ 0.50% · 4.625%
HK$46,552
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,442/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,255
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,662
−HK$1,431/mo
Today · 4.125%
HK$48,093
baseline
▲ 0.50% · 4.625%
HK$51,019
+HK$2,926/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$96,186/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,346
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,696
−HK$1,370/mo
Today · 4.125%
HK$53,066
baseline
▲ 0.50% · 4.625%
HK$55,863
+HK$2,797/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$106,132/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,797
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,440
−HK$1,668/mo
Today · 4.125%
HK$56,108
baseline
▲ 0.50% · 4.625%
HK$59,522
+HK$3,414/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,216/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,736
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,312
−HK$1,598/mo
Today · 4.125%
HK$61,910
baseline
▲ 0.50% · 4.625%
HK$65,173
+HK$3,263/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,820/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,882
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,994
−HK$2,145/mo
Today · 4.125%
HK$72,139
baseline
▲ 0.50% · 4.625%
HK$76,529
+HK$4,390/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,278/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,518
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,544
−HK$2,054/mo
Today · 4.125%
HK$79,598
baseline
▲ 0.50% · 4.625%
HK$83,794
+HK$4,196/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,196/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,199 · Scale 2, in force from 26 Feb 2026)