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$37,379
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,542
−HK$1,181/mo
Today · 4.125%
HK$39,723
baseline
▲ 0.50% · 4.625%
HK$42,140
+HK$2,417/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,446/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,584
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,699
−HK$1,131/mo
Today · 4.125%
HK$43,830
baseline
▲ 0.50% · 4.625%
HK$46,141
+HK$2,311/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,660/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,855
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,250
−HK$1,418/mo
Today · 4.125%
HK$47,668
baseline
▲ 0.50% · 4.625%
HK$50,568
+HK$2,900/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,336/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,901
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,239
−HK$1,358/mo
Today · 4.125%
HK$52,597
baseline
▲ 0.50% · 4.625%
HK$55,369
+HK$2,772/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,194/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,331
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,958
−HK$1,654/mo
Today · 4.125%
HK$55,612
baseline
▲ 0.50% · 4.625%
HK$58,996
+HK$3,384/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$111,224/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,217
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,779
−HK$1,584/mo
Today · 4.125%
HK$61,363
baseline
▲ 0.50% · 4.625%
HK$64,597
+HK$3,234/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$122,726/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,282
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,375
−HK$2,127/mo
Today · 4.125%
HK$71,502
baseline
▲ 0.50% · 4.625%
HK$75,852
+HK$4,350/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$143,004/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,851
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,858
−HK$2,037/mo
Today · 4.125%
HK$78,895
baseline
▲ 0.50% · 4.625%
HK$83,054
+HK$4,159/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,790/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,719 · Scale 2, in force from 26 Feb 2026)