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$37,423
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,587
−HK$1,183/mo
Today · 4.125%
HK$39,770
baseline
▲ 0.50% · 4.625%
HK$42,190
+HK$2,420/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,540/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,633
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,749
−HK$1,133/mo
Today · 4.125%
HK$43,882
baseline
▲ 0.50% · 4.625%
HK$46,195
+HK$2,313/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,764/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,908
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,304
−HK$1,420/mo
Today · 4.125%
HK$47,724
baseline
▲ 0.50% · 4.625%
HK$50,628
+HK$2,904/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$95,448/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,959
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,299
−HK$1,359/mo
Today · 4.125%
HK$52,658
baseline
▲ 0.50% · 4.625%
HK$55,434
+HK$2,776/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$105,316/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,392
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,022
−HK$1,656/mo
Today · 4.125%
HK$55,678
baseline
▲ 0.50% · 4.625%
HK$59,065
+HK$3,387/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,356/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,286
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,849
−HK$1,586/mo
Today · 4.125%
HK$61,435
baseline
▲ 0.50% · 4.625%
HK$64,673
+HK$3,238/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,870/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,361
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,457
−HK$2,128/mo
Today · 4.125%
HK$71,585
baseline
▲ 0.50% · 4.625%
HK$75,941
+HK$4,356/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,170/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,939
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,949
−HK$2,039/mo
Today · 4.125%
HK$78,988
baseline
▲ 0.50% · 4.625%
HK$83,151
+HK$4,163/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,976/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,441 · Scale 2, in force from 26 Feb 2026)