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$37,494
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,660
−HK$1,185/mo
Today · 4.125%
HK$39,845
baseline
▲ 0.50% · 4.625%
HK$42,269
+HK$2,424/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,690/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,711
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,830
−HK$1,135/mo
Today · 4.125%
HK$43,965
baseline
▲ 0.50% · 4.625%
HK$46,282
+HK$2,317/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,930/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,992
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,392
−HK$1,422/mo
Today · 4.125%
HK$47,814
baseline
▲ 0.50% · 4.625%
HK$50,723
+HK$2,909/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,628/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,054
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,396
−HK$1,362/mo
Today · 4.125%
HK$52,758
baseline
▲ 0.50% · 4.625%
HK$55,539
+HK$2,781/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,516/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,491
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,124
−HK$1,659/mo
Today · 4.125%
HK$55,783
baseline
▲ 0.50% · 4.625%
HK$59,177
+HK$3,394/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,566/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,396
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,962
−HK$1,589/mo
Today · 4.125%
HK$61,551
baseline
▲ 0.50% · 4.625%
HK$64,795
+HK$3,244/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,102/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,489
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,588
−HK$2,133/mo
Today · 4.125%
HK$71,721
baseline
▲ 0.50% · 4.625%
HK$76,085
+HK$4,364/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,442/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,080
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,094
−HK$2,043/mo
Today · 4.125%
HK$79,137
baseline
▲ 0.50% · 4.625%
HK$83,308
+HK$4,171/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,274/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,603 · Scale 2, in force from 26 Feb 2026)