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$37,724
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,897
−HK$1,193/mo
Today · 4.125%
HK$40,090
baseline
▲ 0.50% · 4.625%
HK$42,529
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,180/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,967
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,093
−HK$1,142/mo
Today · 4.125%
HK$44,235
baseline
▲ 0.50% · 4.625%
HK$46,567
+HK$2,332/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,470/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,269
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,677
−HK$1,430/mo
Today · 4.125%
HK$48,107
baseline
▲ 0.50% · 4.625%
HK$51,035
+HK$2,928/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,214/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,361
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,712
−HK$1,370/mo
Today · 4.125%
HK$53,082
baseline
▲ 0.50% · 4.625%
HK$55,880
+HK$2,798/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,164/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,813
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,456
−HK$1,669/mo
Today · 4.125%
HK$56,125
baseline
▲ 0.50% · 4.625%
HK$59,540
+HK$3,415/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,250/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,754
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,330
−HK$1,599/mo
Today · 4.125%
HK$61,929
baseline
▲ 0.50% · 4.625%
HK$65,193
+HK$3,264/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,858/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,903
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,015
−HK$2,146/mo
Today · 4.125%
HK$72,161
baseline
▲ 0.50% · 4.625%
HK$76,552
+HK$4,391/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,322/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,541
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,567
−HK$2,056/mo
Today · 4.125%
HK$79,623
baseline
▲ 0.50% · 4.625%
HK$83,820
+HK$4,197/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,246/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,390 · Scale 2, in force from 26 Feb 2026)