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$37,707
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,880
−HK$1,192/mo
Today · 4.125%
HK$40,072
baseline
▲ 0.50% · 4.625%
HK$42,510
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,144/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,949
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,074
−HK$1,141/mo
Today · 4.125%
HK$44,215
baseline
▲ 0.50% · 4.625%
HK$46,546
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,430/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,248
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,656
−HK$1,430/mo
Today · 4.125%
HK$48,086
baseline
▲ 0.50% · 4.625%
HK$51,012
+HK$2,926/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,172/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,338
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,689
−HK$1,369/mo
Today · 4.125%
HK$53,058
baseline
▲ 0.50% · 4.625%
HK$55,855
+HK$2,797/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,116/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,790
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,432
−HK$1,668/mo
Today · 4.125%
HK$56,100
baseline
▲ 0.50% · 4.625%
HK$59,514
+HK$3,414/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,200/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,728
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,303
−HK$1,598/mo
Today · 4.125%
HK$61,901
baseline
▲ 0.50% · 4.625%
HK$65,164
+HK$3,263/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,802/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,873
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,984
−HK$2,145/mo
Today · 4.125%
HK$72,129
baseline
▲ 0.50% · 4.625%
HK$76,518
+HK$4,389/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,258/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,508
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,533
−HK$2,054/mo
Today · 4.125%
HK$79,587
baseline
▲ 0.50% · 4.625%
HK$83,782
+HK$4,195/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,174/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,113 · Scale 2, in force from 26 Feb 2026)