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$37,654
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,826
−HK$1,190/mo
Today · 4.125%
HK$40,016
baseline
▲ 0.50% · 4.625%
HK$42,450
+HK$2,434/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,032/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,890
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,014
−HK$1,139/mo
Today · 4.125%
HK$44,153
baseline
▲ 0.50% · 4.625%
HK$46,481
+HK$2,328/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,306/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,185
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,591
−HK$1,428/mo
Today · 4.125%
HK$48,019
baseline
▲ 0.50% · 4.625%
HK$50,941
+HK$2,922/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,038/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,268
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,616
−HK$1,368/mo
Today · 4.125%
HK$52,984
baseline
▲ 0.50% · 4.625%
HK$55,777
+HK$2,793/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$105,968/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,716
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,356
−HK$1,666/mo
Today · 4.125%
HK$56,022
baseline
▲ 0.50% · 4.625%
HK$59,431
+HK$3,409/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,044/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,646
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,219
−HK$1,596/mo
Today · 4.125%
HK$61,815
baseline
▲ 0.50% · 4.625%
HK$65,073
+HK$3,258/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,630/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,778
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,886
−HK$2,142/mo
Today · 4.125%
HK$72,028
baseline
▲ 0.50% · 4.625%
HK$76,411
+HK$4,383/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,056/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,402
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,424
−HK$2,052/mo
Today · 4.125%
HK$79,476
baseline
▲ 0.50% · 4.625%
HK$83,665
+HK$4,189/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,952/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,245 · Scale 2, in force from 26 Feb 2026)