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$37,452
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,617
−HK$1,184/mo
Today · 4.125%
HK$39,801
baseline
▲ 0.50% · 4.625%
HK$42,222
+HK$2,421/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,602/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,665
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,783
−HK$1,133/mo
Today · 4.125%
HK$43,916
baseline
▲ 0.50% · 4.625%
HK$46,231
+HK$2,315/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,832/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,943
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,340
−HK$1,421/mo
Today · 4.125%
HK$47,761
baseline
▲ 0.50% · 4.625%
HK$50,667
+HK$2,906/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,522/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$615,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,998
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,339
−HK$1,360/mo
Today · 4.125%
HK$52,699
baseline
▲ 0.50% · 4.625%
HK$55,477
+HK$2,778/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,398/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$615,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,433
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,064
−HK$1,657/mo
Today · 4.125%
HK$55,721
baseline
▲ 0.50% · 4.625%
HK$59,111
+HK$3,390/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,442/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,331
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,896
−HK$1,587/mo
Today · 4.125%
HK$61,483
baseline
▲ 0.50% · 4.625%
HK$64,723
+HK$3,240/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$122,966/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,414
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,511
−HK$2,130/mo
Today · 4.125%
HK$71,641
baseline
▲ 0.50% · 4.625%
HK$76,000
+HK$4,359/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$143,282/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,997
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,009
−HK$2,040/mo
Today · 4.125%
HK$79,049
baseline
▲ 0.50% · 4.625%
HK$83,216
+HK$4,167/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$158,098/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,920 · Scale 2, in force from 26 Feb 2026)