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$37,717
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,890
−HK$1,192/mo
Today · 4.125%
HK$40,082
baseline
▲ 0.50% · 4.625%
HK$42,521
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,164/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,960
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,085
−HK$1,142/mo
Today · 4.125%
HK$44,227
baseline
▲ 0.50% · 4.625%
HK$46,558
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,454/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,261
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,668
−HK$1,431/mo
Today · 4.125%
HK$48,099
baseline
▲ 0.50% · 4.625%
HK$51,026
+HK$2,927/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$96,198/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,352
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,702
−HK$1,370/mo
Today · 4.125%
HK$53,072
baseline
▲ 0.50% · 4.625%
HK$55,870
+HK$2,798/mo
Deposit HK$6.62M · loan HK$9.92M · min. income ≈ HK$106,144/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,804
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,447
−HK$1,668/mo
Today · 4.125%
HK$56,115
baseline
▲ 0.50% · 4.625%
HK$59,530
+HK$3,415/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,230/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,744
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,319
−HK$1,599/mo
Today · 4.125%
HK$61,918
baseline
▲ 0.50% · 4.625%
HK$65,181
+HK$3,263/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,836/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,891
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$70,003
−HK$2,145/mo
Today · 4.125%
HK$72,148
baseline
▲ 0.50% · 4.625%
HK$76,538
+HK$4,390/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,296/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,528
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,554
−HK$2,054/mo
Today · 4.125%
HK$79,608
baseline
▲ 0.50% · 4.625%
HK$83,805
+HK$4,197/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,216/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,279 · Scale 2, in force from 26 Feb 2026)