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$37,432
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,597
−HK$1,183/mo
Today · 4.125%
HK$39,780
baseline
▲ 0.50% · 4.625%
HK$42,200
+HK$2,420/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,560/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,643
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,760
−HK$1,133/mo
Today · 4.125%
HK$43,893
baseline
▲ 0.50% · 4.625%
HK$46,206
+HK$2,313/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,786/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,919
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,316
−HK$1,419/mo
Today · 4.125%
HK$47,735
baseline
▲ 0.50% · 4.625%
HK$50,640
+HK$2,905/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,470/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,972
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,312
−HK$1,359/mo
Today · 4.125%
HK$52,671
baseline
▲ 0.50% · 4.625%
HK$55,448
+HK$2,777/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,342/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,405
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,035
−HK$1,656/mo
Today · 4.125%
HK$55,691
baseline
▲ 0.50% · 4.625%
HK$59,080
+HK$3,389/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,382/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,300
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,864
−HK$1,586/mo
Today · 4.125%
HK$61,450
baseline
▲ 0.50% · 4.625%
HK$64,689
+HK$3,239/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,900/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,378
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,474
−HK$2,129/mo
Today · 4.125%
HK$71,603
baseline
▲ 0.50% · 4.625%
HK$75,960
+HK$4,357/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,206/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,957
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,968
−HK$2,039/mo
Today · 4.125%
HK$79,007
baseline
▲ 0.50% · 4.625%
HK$83,172
+HK$4,165/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$158,014/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,592 · Scale 2, in force from 26 Feb 2026)