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$37,649
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,820
−HK$1,190/mo
Today · 4.125%
HK$40,010
baseline
▲ 0.50% · 4.625%
HK$42,445
+HK$2,435/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,020/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,884
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,008
−HK$1,139/mo
Today · 4.125%
HK$44,147
baseline
▲ 0.50% · 4.625%
HK$46,474
+HK$2,327/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,294/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,179
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,584
−HK$1,428/mo
Today · 4.125%
HK$48,012
baseline
▲ 0.50% · 4.625%
HK$50,933
+HK$2,921/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$96,024/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,261
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,609
−HK$1,368/mo
Today · 4.125%
HK$52,977
baseline
▲ 0.50% · 4.625%
HK$55,769
+HK$2,792/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$105,954/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,709
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,348
−HK$1,666/mo
Today · 4.125%
HK$56,014
baseline
▲ 0.50% · 4.625%
HK$59,422
+HK$3,408/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,028/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,638
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,211
−HK$1,595/mo
Today · 4.125%
HK$61,806
baseline
▲ 0.50% · 4.625%
HK$65,064
+HK$3,258/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,612/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,768
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,876
−HK$2,142/mo
Today · 4.125%
HK$72,018
baseline
▲ 0.50% · 4.625%
HK$76,400
+HK$4,382/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,036/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,392
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,414
−HK$2,051/mo
Today · 4.125%
HK$79,465
baseline
▲ 0.50% · 4.625%
HK$83,654
+HK$4,189/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,930/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,159 · Scale 2, in force from 26 Feb 2026)