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$37,488
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,654
−HK$1,185/mo
Today · 4.125%
HK$39,839
baseline
▲ 0.50% · 4.625%
HK$42,263
+HK$2,424/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,678/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,705
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,824
−HK$1,135/mo
Today · 4.125%
HK$43,959
baseline
▲ 0.50% · 4.625%
HK$46,276
+HK$2,317/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,918/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,986
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,385
−HK$1,422/mo
Today · 4.125%
HK$47,807
baseline
▲ 0.50% · 4.625%
HK$50,716
+HK$2,909/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$95,614/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,047
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,389
−HK$1,361/mo
Today · 4.125%
HK$52,750
baseline
▲ 0.50% · 4.625%
HK$55,531
+HK$2,781/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$105,500/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,484
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,116
−HK$1,659/mo
Today · 4.125%
HK$55,775
baseline
▲ 0.50% · 4.625%
HK$59,169
+HK$3,394/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,550/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,388
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,954
−HK$1,588/mo
Today · 4.125%
HK$61,542
baseline
▲ 0.50% · 4.625%
HK$64,786
+HK$3,244/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,084/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,479
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,578
−HK$2,133/mo
Today · 4.125%
HK$71,711
baseline
▲ 0.50% · 4.625%
HK$76,074
+HK$4,363/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,422/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,070
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,083
−HK$2,043/mo
Today · 4.125%
HK$79,126
baseline
▲ 0.50% · 4.625%
HK$83,296
+HK$4,170/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,252/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,516 · Scale 2, in force from 26 Feb 2026)