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$37,699
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,872
−HK$1,191/mo
Today · 4.125%
HK$40,063
baseline
▲ 0.50% · 4.625%
HK$42,501
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,126/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,940
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,065
−HK$1,141/mo
Today · 4.125%
HK$44,206
baseline
▲ 0.50% · 4.625%
HK$46,536
+HK$2,330/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,412/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,239
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,646
−HK$1,430/mo
Today · 4.125%
HK$48,076
baseline
▲ 0.50% · 4.625%
HK$51,001
+HK$2,925/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,152/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,328
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,678
−HK$1,369/mo
Today · 4.125%
HK$53,047
baseline
▲ 0.50% · 4.625%
HK$55,843
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,094/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,779
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,421
−HK$1,668/mo
Today · 4.125%
HK$56,089
baseline
▲ 0.50% · 4.625%
HK$59,501
+HK$3,412/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,178/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,716
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,291
−HK$1,597/mo
Today · 4.125%
HK$61,888
baseline
▲ 0.50% · 4.625%
HK$65,150
+HK$3,262/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,776/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,859
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,969
−HK$2,145/mo
Today · 4.125%
HK$72,114
baseline
▲ 0.50% · 4.625%
HK$76,502
+HK$4,388/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,228/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,492
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,517
−HK$2,054/mo
Today · 4.125%
HK$79,571
baseline
▲ 0.50% · 4.625%
HK$83,765
+HK$4,194/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,142/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,983 · Scale 2, in force from 26 Feb 2026)