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$37,655
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,827
−HK$1,190/mo
Today · 4.125%
HK$40,017
baseline
▲ 0.50% · 4.625%
HK$42,452
+HK$2,435/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,034/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,891
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,015
−HK$1,139/mo
Today · 4.125%
HK$44,154
baseline
▲ 0.50% · 4.625%
HK$46,482
+HK$2,328/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,308/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,186
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,592
−HK$1,428/mo
Today · 4.125%
HK$48,020
baseline
▲ 0.50% · 4.625%
HK$50,942
+HK$2,922/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,040/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,269
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,618
−HK$1,367/mo
Today · 4.125%
HK$52,985
baseline
▲ 0.50% · 4.625%
HK$55,778
+HK$2,793/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$105,970/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,717
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,357
−HK$1,666/mo
Today · 4.125%
HK$56,023
baseline
▲ 0.50% · 4.625%
HK$59,432
+HK$3,409/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,046/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,648
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,221
−HK$1,595/mo
Today · 4.125%
HK$61,816
baseline
▲ 0.50% · 4.625%
HK$65,075
+HK$3,259/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,632/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,780
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,888
−HK$2,142/mo
Today · 4.125%
HK$72,030
baseline
▲ 0.50% · 4.625%
HK$76,413
+HK$4,383/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,060/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,404
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,426
−HK$2,052/mo
Today · 4.125%
HK$79,478
baseline
▲ 0.50% · 4.625%
HK$83,667
+HK$4,189/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,956/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,262 · Scale 2, in force from 26 Feb 2026)