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$37,388
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,551
−HK$1,181/mo
Today · 4.125%
HK$39,732
baseline
▲ 0.50% · 4.625%
HK$42,150
+HK$2,418/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,464/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,594
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,709
−HK$1,132/mo
Today · 4.125%
HK$43,841
baseline
▲ 0.50% · 4.625%
HK$46,152
+HK$2,311/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,682/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,865
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,261
−HK$1,418/mo
Today · 4.125%
HK$47,679
baseline
▲ 0.50% · 4.625%
HK$50,580
+HK$2,901/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,358/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,912
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,251
−HK$1,358/mo
Today · 4.125%
HK$52,609
baseline
▲ 0.50% · 4.625%
HK$55,382
+HK$2,773/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,218/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,343
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,971
−HK$1,654/mo
Today · 4.125%
HK$55,625
baseline
▲ 0.50% · 4.625%
HK$59,010
+HK$3,385/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,250/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,231
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,793
−HK$1,584/mo
Today · 4.125%
HK$61,377
baseline
▲ 0.50% · 4.625%
HK$64,612
+HK$3,235/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,754/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,298
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,391
−HK$2,127/mo
Today · 4.125%
HK$71,518
baseline
▲ 0.50% · 4.625%
HK$75,870
+HK$4,352/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$143,036/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,868
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,876
−HK$2,037/mo
Today · 4.125%
HK$78,913
baseline
▲ 0.50% · 4.625%
HK$83,073
+HK$4,160/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$157,826/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,862 · Scale 2, in force from 26 Feb 2026)