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$37,511
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,678
−HK$1,186/mo
Today · 4.125%
HK$39,864
baseline
▲ 0.50% · 4.625%
HK$42,289
+HK$2,425/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,728/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,731
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,850
−HK$1,136/mo
Today · 4.125%
HK$43,986
baseline
▲ 0.50% · 4.625%
HK$46,304
+HK$2,318/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$87,972/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,014
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,414
−HK$1,422/mo
Today · 4.125%
HK$47,836
baseline
▲ 0.50% · 4.625%
HK$50,747
+HK$2,911/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,672/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,077
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,420
−HK$1,363/mo
Today · 4.125%
HK$52,783
baseline
▲ 0.50% · 4.625%
HK$55,565
+HK$2,782/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,566/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,516
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,149
−HK$1,660/mo
Today · 4.125%
HK$55,809
baseline
▲ 0.50% · 4.625%
HK$59,205
+HK$3,396/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,618/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,423
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,990
−HK$1,590/mo
Today · 4.125%
HK$61,580
baseline
▲ 0.50% · 4.625%
HK$64,826
+HK$3,246/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,160/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,520
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,621
−HK$2,133/mo
Today · 4.125%
HK$71,754
baseline
▲ 0.50% · 4.625%
HK$76,121
+HK$4,367/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,508/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,116
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,130
−HK$2,044/mo
Today · 4.125%
HK$79,174
baseline
▲ 0.50% · 4.625%
HK$83,347
+HK$4,173/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,348/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,893 · Scale 2, in force from 26 Feb 2026)