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$37,439
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,604
−HK$1,183/mo
Today · 4.125%
HK$39,787
baseline
▲ 0.50% · 4.625%
HK$42,208
+HK$2,421/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,574/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,650
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,768
−HK$1,133/mo
Today · 4.125%
HK$43,901
baseline
▲ 0.50% · 4.625%
HK$46,215
+HK$2,314/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,802/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,927
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,324
−HK$1,420/mo
Today · 4.125%
HK$47,744
baseline
▲ 0.50% · 4.625%
HK$50,649
+HK$2,905/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,488/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,981
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,321
−HK$1,360/mo
Today · 4.125%
HK$52,681
baseline
▲ 0.50% · 4.625%
HK$55,458
+HK$2,777/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,362/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,415
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,045
−HK$1,656/mo
Today · 4.125%
HK$55,701
baseline
▲ 0.50% · 4.625%
HK$59,091
+HK$3,390/mo
Deposit HK$4.93M · loan HK$11.49M · min. income ≈ HK$111,402/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,311
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,875
−HK$1,586/mo
Today · 4.125%
HK$61,461
baseline
▲ 0.50% · 4.625%
HK$64,701
+HK$3,240/mo
Deposit HK$4.93M · loan HK$11.49M · min. income ≈ HK$122,922/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,390
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,486
−HK$2,130/mo
Today · 4.125%
HK$71,616
baseline
▲ 0.50% · 4.625%
HK$75,974
+HK$4,358/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$143,232/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,971
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,982
−HK$2,039/mo
Today · 4.125%
HK$79,021
baseline
▲ 0.50% · 4.625%
HK$83,187
+HK$4,166/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$158,042/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,704 · Scale 2, in force from 26 Feb 2026)