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$37,403
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,566
−HK$1,182/mo
Today · 4.125%
HK$39,748
baseline
▲ 0.50% · 4.625%
HK$42,167
+HK$2,419/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,496/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,610
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,726
−HK$1,132/mo
Today · 4.125%
HK$43,858
baseline
▲ 0.50% · 4.625%
HK$46,170
+HK$2,312/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,716/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,883
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,279
−HK$1,419/mo
Today · 4.125%
HK$47,698
baseline
▲ 0.50% · 4.625%
HK$50,600
+HK$2,902/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,396/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,932
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,271
−HK$1,359/mo
Today · 4.125%
HK$52,630
baseline
▲ 0.50% · 4.625%
HK$55,404
+HK$2,774/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,260/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,364
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$53,993
−HK$1,655/mo
Today · 4.125%
HK$55,648
baseline
▲ 0.50% · 4.625%
HK$59,034
+HK$3,386/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,296/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,254
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,817
−HK$1,585/mo
Today · 4.125%
HK$61,402
baseline
▲ 0.50% · 4.625%
HK$64,638
+HK$3,236/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,804/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,325
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,419
−HK$2,128/mo
Today · 4.125%
HK$71,547
baseline
▲ 0.50% · 4.625%
HK$75,900
+HK$4,353/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$143,094/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,898
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,907
−HK$2,038/mo
Today · 4.125%
HK$78,945
baseline
▲ 0.50% · 4.625%
HK$83,106
+HK$4,161/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$157,890/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,109 · Scale 2, in force from 26 Feb 2026)