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$37,486
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,652
−HK$1,185/mo
Today · 4.125%
HK$39,837
baseline
▲ 0.50% · 4.625%
HK$42,261
+HK$2,424/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,674/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,703
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,822
−HK$1,134/mo
Today · 4.125%
HK$43,956
baseline
▲ 0.50% · 4.625%
HK$46,273
+HK$2,317/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,912/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,984
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,383
−HK$1,422/mo
Today · 4.125%
HK$47,805
baseline
▲ 0.50% · 4.625%
HK$50,713
+HK$2,908/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$95,610/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,044
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,386
−HK$1,362/mo
Today · 4.125%
HK$52,748
baseline
▲ 0.50% · 4.625%
HK$55,528
+HK$2,780/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$105,496/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,481
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,113
−HK$1,659/mo
Today · 4.125%
HK$55,772
baseline
▲ 0.50% · 4.625%
HK$59,166
+HK$3,394/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,544/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,385
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,950
−HK$1,589/mo
Today · 4.125%
HK$61,539
baseline
▲ 0.50% · 4.625%
HK$64,783
+HK$3,244/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,078/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,476
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,574
−HK$2,133/mo
Today · 4.125%
HK$71,707
baseline
▲ 0.50% · 4.625%
HK$76,070
+HK$4,363/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,414/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,066
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,079
−HK$2,042/mo
Today · 4.125%
HK$79,121
baseline
▲ 0.50% · 4.625%
HK$83,292
+HK$4,171/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,242/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,484 · Scale 2, in force from 26 Feb 2026)