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$37,417
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,581
−HK$1,183/mo
Today · 4.125%
HK$39,764
baseline
▲ 0.50% · 4.625%
HK$42,183
+HK$2,419/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,528/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,626
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,743
−HK$1,132/mo
Today · 4.125%
HK$43,875
baseline
▲ 0.50% · 4.625%
HK$46,188
+HK$2,313/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,750/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,901
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,298
−HK$1,419/mo
Today · 4.125%
HK$47,717
baseline
▲ 0.50% · 4.625%
HK$50,620
+HK$2,903/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$95,434/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,952
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,291
−HK$1,359/mo
Today · 4.125%
HK$52,650
baseline
▲ 0.50% · 4.625%
HK$55,426
+HK$2,776/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$105,300/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,384
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,014
−HK$1,655/mo
Today · 4.125%
HK$55,669
baseline
▲ 0.50% · 4.625%
HK$59,057
+HK$3,388/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,338/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,277
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,840
−HK$1,586/mo
Today · 4.125%
HK$61,426
baseline
▲ 0.50% · 4.625%
HK$64,663
+HK$3,237/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,852/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,351
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,446
−HK$2,129/mo
Today · 4.125%
HK$71,575
baseline
▲ 0.50% · 4.625%
HK$75,930
+HK$4,355/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,150/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,928
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,937
−HK$2,039/mo
Today · 4.125%
HK$78,976
baseline
▲ 0.50% · 4.625%
HK$83,139
+HK$4,163/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,952/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,349 · Scale 2, in force from 26 Feb 2026)