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$37,670
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,842
−HK$1,190/mo
Today · 4.125%
HK$40,032
baseline
▲ 0.50% · 4.625%
HK$42,468
+HK$2,436/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,064/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,908
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,032
−HK$1,140/mo
Today · 4.125%
HK$44,172
baseline
▲ 0.50% · 4.625%
HK$46,500
+HK$2,328/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,344/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,204
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,610
−HK$1,429/mo
Today · 4.125%
HK$48,039
baseline
▲ 0.50% · 4.625%
HK$50,962
+HK$2,923/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,078/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,289
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,638
−HK$1,368/mo
Today · 4.125%
HK$53,006
baseline
▲ 0.50% · 4.625%
HK$55,800
+HK$2,794/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$106,012/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,738
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,379
−HK$1,666/mo
Today · 4.125%
HK$56,045
baseline
▲ 0.50% · 4.625%
HK$59,456
+HK$3,411/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$112,090/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,671
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,244
−HK$1,597/mo
Today · 4.125%
HK$61,841
baseline
▲ 0.50% · 4.625%
HK$65,100
+HK$3,259/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$123,682/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,806
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,916
−HK$2,142/mo
Today · 4.125%
HK$72,058
baseline
▲ 0.50% · 4.625%
HK$76,443
+HK$4,385/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,116/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,434
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,457
−HK$2,052/mo
Today · 4.125%
HK$79,509
baseline
▲ 0.50% · 4.625%
HK$83,700
+HK$4,191/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,018/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,507 · Scale 2, in force from 26 Feb 2026)