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$37,392
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,555
−HK$1,182/mo
Today · 4.125%
HK$39,737
baseline
▲ 0.50% · 4.625%
HK$42,155
+HK$2,418/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,474/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,598
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,714
−HK$1,132/mo
Today · 4.125%
HK$43,846
baseline
▲ 0.50% · 4.625%
HK$46,157
+HK$2,311/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,692/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,871
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,266
−HK$1,418/mo
Today · 4.125%
HK$47,684
baseline
▲ 0.50% · 4.625%
HK$50,586
+HK$2,902/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,368/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,918
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,257
−HK$1,358/mo
Today · 4.125%
HK$52,615
baseline
▲ 0.50% · 4.625%
HK$55,388
+HK$2,773/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,230/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,349
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,977
−HK$1,655/mo
Today · 4.125%
HK$55,632
baseline
▲ 0.50% · 4.625%
HK$59,017
+HK$3,385/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,264/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,238
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,800
−HK$1,584/mo
Today · 4.125%
HK$61,384
baseline
▲ 0.50% · 4.625%
HK$64,620
+HK$3,236/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,768/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,306
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,399
−HK$2,128/mo
Today · 4.125%
HK$71,527
baseline
▲ 0.50% · 4.625%
HK$75,879
+HK$4,352/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$143,054/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,877
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,885
−HK$2,038/mo
Today · 4.125%
HK$78,923
baseline
▲ 0.50% · 4.625%
HK$83,083
+HK$4,160/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$157,846/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,934 · Scale 2, in force from 26 Feb 2026)