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$37,722
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,895
−HK$1,192/mo
Today · 4.125%
HK$40,087
baseline
▲ 0.50% · 4.625%
HK$42,527
+HK$2,440/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,174/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,965
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,091
−HK$1,141/mo
Today · 4.125%
HK$44,232
baseline
▲ 0.50% · 4.625%
HK$46,564
+HK$2,332/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,464/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,266
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,674
−HK$1,431/mo
Today · 4.125%
HK$48,105
baseline
▲ 0.50% · 4.625%
HK$51,032
+HK$2,927/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,210/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,358
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,709
−HK$1,370/mo
Today · 4.125%
HK$53,079
baseline
▲ 0.50% · 4.625%
HK$55,877
+HK$2,798/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,158/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,811
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,453
−HK$1,669/mo
Today · 4.125%
HK$56,122
baseline
▲ 0.50% · 4.625%
HK$59,537
+HK$3,415/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,244/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,751
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,327
−HK$1,598/mo
Today · 4.125%
HK$61,925
baseline
▲ 0.50% · 4.625%
HK$65,190
+HK$3,265/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,850/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,899
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,011
−HK$2,146/mo
Today · 4.125%
HK$72,157
baseline
▲ 0.50% · 4.625%
HK$76,548
+HK$4,391/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,314/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,537
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,563
−HK$2,055/mo
Today · 4.125%
HK$79,618
baseline
▲ 0.50% · 4.625%
HK$83,815
+HK$4,197/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,236/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,356 · Scale 2, in force from 26 Feb 2026)