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$37,383
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,546
−HK$1,181/mo
Today · 4.125%
HK$39,727
baseline
▲ 0.50% · 4.625%
HK$42,144
+HK$2,417/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,454/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,588
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,703
−HK$1,132/mo
Today · 4.125%
HK$43,835
baseline
▲ 0.50% · 4.625%
HK$46,146
+HK$2,311/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,670/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,859
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,255
−HK$1,418/mo
Today · 4.125%
HK$47,673
baseline
▲ 0.50% · 4.625%
HK$50,573
+HK$2,900/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,346/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,906
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,244
−HK$1,358/mo
Today · 4.125%
HK$52,602
baseline
▲ 0.50% · 4.625%
HK$55,375
+HK$2,773/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,204/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,336
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,964
−HK$1,654/mo
Today · 4.125%
HK$55,618
baseline
▲ 0.50% · 4.625%
HK$59,002
+HK$3,384/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,236/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,223
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,785
−HK$1,584/mo
Today · 4.125%
HK$61,369
baseline
▲ 0.50% · 4.625%
HK$64,604
+HK$3,235/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,738/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,289
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,382
−HK$2,127/mo
Today · 4.125%
HK$71,509
baseline
▲ 0.50% · 4.625%
HK$75,860
+HK$4,351/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$143,018/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,859
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,866
−HK$2,037/mo
Today · 4.125%
HK$78,903
baseline
▲ 0.50% · 4.625%
HK$83,062
+HK$4,159/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,806/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,782 · Scale 2, in force from 26 Feb 2026)