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$37,687
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,860
−HK$1,191/mo
Today · 4.125%
HK$40,051
baseline
▲ 0.50% · 4.625%
HK$42,488
+HK$2,437/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,102/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,927
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,051
−HK$1,141/mo
Today · 4.125%
HK$44,192
baseline
▲ 0.50% · 4.625%
HK$46,521
+HK$2,329/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,384/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,225
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,632
−HK$1,429/mo
Today · 4.125%
HK$48,061
baseline
▲ 0.50% · 4.625%
HK$50,985
+HK$2,924/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,122/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,312
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,662
−HK$1,368/mo
Today · 4.125%
HK$53,030
baseline
▲ 0.50% · 4.625%
HK$55,826
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,060/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,762
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,404
−HK$1,667/mo
Today · 4.125%
HK$56,071
baseline
▲ 0.50% · 4.625%
HK$59,483
+HK$3,412/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,142/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,698
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,272
−HK$1,597/mo
Today · 4.125%
HK$61,869
baseline
▲ 0.50% · 4.625%
HK$65,130
+HK$3,261/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,738/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,837
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,947
−HK$2,144/mo
Today · 4.125%
HK$72,091
baseline
▲ 0.50% · 4.625%
HK$76,478
+HK$4,387/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,182/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,468
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,492
−HK$2,054/mo
Today · 4.125%
HK$79,546
baseline
▲ 0.50% · 4.625%
HK$83,739
+HK$4,193/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,092/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,789 · Scale 2, in force from 26 Feb 2026)