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$37,401
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,564
−HK$1,182/mo
Today · 4.125%
HK$39,746
baseline
▲ 0.50% · 4.625%
HK$42,164
+HK$2,418/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,492/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,608
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,724
−HK$1,132/mo
Today · 4.125%
HK$43,856
baseline
▲ 0.50% · 4.625%
HK$46,167
+HK$2,311/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,712/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,881
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,277
−HK$1,418/mo
Today · 4.125%
HK$47,695
baseline
▲ 0.50% · 4.625%
HK$50,597
+HK$2,902/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,390/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,929
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,268
−HK$1,359/mo
Today · 4.125%
HK$52,627
baseline
▲ 0.50% · 4.625%
HK$55,401
+HK$2,774/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,254/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,361
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,990
−HK$1,654/mo
Today · 4.125%
HK$55,644
baseline
▲ 0.50% · 4.625%
HK$59,030
+HK$3,386/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,288/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,251
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,813
−HK$1,585/mo
Today · 4.125%
HK$61,398
baseline
▲ 0.50% · 4.625%
HK$64,634
+HK$3,236/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,796/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,321
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,415
−HK$2,128/mo
Today · 4.125%
HK$71,543
baseline
▲ 0.50% · 4.625%
HK$75,896
+HK$4,353/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$143,086/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,894
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,903
−HK$2,037/mo
Today · 4.125%
HK$78,940
baseline
▲ 0.50% · 4.625%
HK$83,101
+HK$4,161/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$157,880/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,073 · Scale 2, in force from 26 Feb 2026)