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$37,513
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,680
−HK$1,186/mo
Today · 4.125%
HK$39,866
baseline
▲ 0.50% · 4.625%
HK$42,292
+HK$2,426/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,732/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,733
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,853
−HK$1,135/mo
Today · 4.125%
HK$43,988
baseline
▲ 0.50% · 4.625%
HK$46,307
+HK$2,319/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$87,976/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,016
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,416
−HK$1,423/mo
Today · 4.125%
HK$47,839
baseline
▲ 0.50% · 4.625%
HK$50,750
+HK$2,911/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,678/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,080
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,423
−HK$1,363/mo
Today · 4.125%
HK$52,786
baseline
▲ 0.50% · 4.625%
HK$55,568
+HK$2,782/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,572/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,519
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,152
−HK$1,660/mo
Today · 4.125%
HK$55,812
baseline
▲ 0.50% · 4.625%
HK$59,208
+HK$3,396/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,624/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,427
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,994
−HK$1,589/mo
Today · 4.125%
HK$61,583
baseline
▲ 0.50% · 4.625%
HK$64,829
+HK$3,246/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,166/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,524
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,624
−HK$2,134/mo
Today · 4.125%
HK$71,758
baseline
▲ 0.50% · 4.625%
HK$76,125
+HK$4,367/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,516/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,120
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,135
−HK$2,043/mo
Today · 4.125%
HK$79,178
baseline
▲ 0.50% · 4.625%
HK$83,352
+HK$4,174/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,356/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,928 · Scale 2, in force from 26 Feb 2026)