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$37,490
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,657
−HK$1,184/mo
Today · 4.125%
HK$39,841
baseline
▲ 0.50% · 4.625%
HK$42,266
+HK$2,425/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,682/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,708
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,826
−HK$1,135/mo
Today · 4.125%
HK$43,961
baseline
▲ 0.50% · 4.625%
HK$46,278
+HK$2,317/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,922/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,989
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,388
−HK$1,422/mo
Today · 4.125%
HK$47,810
baseline
▲ 0.50% · 4.625%
HK$50,719
+HK$2,909/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$95,620/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,049
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,392
−HK$1,361/mo
Today · 4.125%
HK$52,753
baseline
▲ 0.50% · 4.625%
HK$55,534
+HK$2,781/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$105,506/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,487
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,119
−HK$1,659/mo
Today · 4.125%
HK$55,778
baseline
▲ 0.50% · 4.625%
HK$59,172
+HK$3,394/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,556/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,391
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,957
−HK$1,589/mo
Today · 4.125%
HK$61,546
baseline
▲ 0.50% · 4.625%
HK$64,790
+HK$3,244/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,092/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,483
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,582
−HK$2,133/mo
Today · 4.125%
HK$71,715
baseline
▲ 0.50% · 4.625%
HK$76,078
+HK$4,363/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,430/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,074
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,087
−HK$2,043/mo
Today · 4.125%
HK$79,130
baseline
▲ 0.50% · 4.625%
HK$83,301
+HK$4,171/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,260/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,550 · Scale 2, in force from 26 Feb 2026)