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$37,493
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,659
−HK$1,185/mo
Today · 4.125%
HK$39,844
baseline
▲ 0.50% · 4.625%
HK$42,269
+HK$2,425/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,688/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,711
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,829
−HK$1,135/mo
Today · 4.125%
HK$43,964
baseline
▲ 0.50% · 4.625%
HK$46,281
+HK$2,317/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,928/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,992
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,391
−HK$1,422/mo
Today · 4.125%
HK$47,813
baseline
▲ 0.50% · 4.625%
HK$50,722
+HK$2,909/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,626/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,053
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,395
−HK$1,362/mo
Today · 4.125%
HK$52,757
baseline
▲ 0.50% · 4.625%
HK$55,538
+HK$2,781/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,514/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,490
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,123
−HK$1,659/mo
Today · 4.125%
HK$55,782
baseline
▲ 0.50% · 4.625%
HK$59,176
+HK$3,394/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,564/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,395
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,961
−HK$1,589/mo
Today · 4.125%
HK$61,550
baseline
▲ 0.50% · 4.625%
HK$64,794
+HK$3,244/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,100/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,487
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,587
−HK$2,132/mo
Today · 4.125%
HK$71,719
baseline
▲ 0.50% · 4.625%
HK$76,083
+HK$4,364/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,438/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,079
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,093
−HK$2,042/mo
Today · 4.125%
HK$79,135
baseline
▲ 0.50% · 4.625%
HK$83,307
+HK$4,172/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,270/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,592 · Scale 2, in force from 26 Feb 2026)