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$37,474
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,639
−HK$1,185/mo
Today · 4.125%
HK$39,824
baseline
▲ 0.50% · 4.625%
HK$42,247
+HK$2,423/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,648/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,689
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,807
−HK$1,134/mo
Today · 4.125%
HK$43,941
baseline
▲ 0.50% · 4.625%
HK$46,258
+HK$2,317/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,882/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,968
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,367
−HK$1,421/mo
Today · 4.125%
HK$47,788
baseline
▲ 0.50% · 4.625%
HK$50,696
+HK$2,908/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,576/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,027
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,369
−HK$1,361/mo
Today · 4.125%
HK$52,730
baseline
▲ 0.50% · 4.625%
HK$55,509
+HK$2,779/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,460/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,463
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,095
−HK$1,658/mo
Today · 4.125%
HK$55,753
baseline
▲ 0.50% · 4.625%
HK$59,146
+HK$3,393/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,506/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,365
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,930
−HK$1,588/mo
Today · 4.125%
HK$61,518
baseline
▲ 0.50% · 4.625%
HK$64,761
+HK$3,243/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$123,036/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,453
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,551
−HK$2,132/mo
Today · 4.125%
HK$71,683
baseline
▲ 0.50% · 4.625%
HK$76,044
+HK$4,361/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,366/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,040
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,053
−HK$2,042/mo
Today · 4.125%
HK$79,095
baseline
▲ 0.50% · 4.625%
HK$83,264
+HK$4,169/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,190/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,275 · Scale 2, in force from 26 Feb 2026)