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$37,690
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,863
−HK$1,191/mo
Today · 4.125%
HK$40,054
baseline
▲ 0.50% · 4.625%
HK$42,491
+HK$2,437/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,108/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,930
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,054
−HK$1,141/mo
Today · 4.125%
HK$44,195
baseline
▲ 0.50% · 4.625%
HK$46,525
+HK$2,330/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,390/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,228
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,635
−HK$1,429/mo
Today · 4.125%
HK$48,064
baseline
▲ 0.50% · 4.625%
HK$50,989
+HK$2,925/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,128/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,316
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,665
−HK$1,369/mo
Today · 4.125%
HK$53,034
baseline
▲ 0.50% · 4.625%
HK$55,830
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,068/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,766
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,408
−HK$1,667/mo
Today · 4.125%
HK$56,075
baseline
▲ 0.50% · 4.625%
HK$59,487
+HK$3,412/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,150/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,702
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,276
−HK$1,597/mo
Today · 4.125%
HK$61,873
baseline
▲ 0.50% · 4.625%
HK$65,135
+HK$3,262/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,746/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,842
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,953
−HK$2,144/mo
Today · 4.125%
HK$72,097
baseline
▲ 0.50% · 4.625%
HK$76,484
+HK$4,387/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,194/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,474
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,498
−HK$2,054/mo
Today · 4.125%
HK$79,552
baseline
▲ 0.50% · 4.625%
HK$83,745
+HK$4,193/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,104/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,835 · Scale 2, in force from 26 Feb 2026)