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$37,465
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,630
−HK$1,184/mo
Today · 4.125%
HK$39,814
baseline
▲ 0.50% · 4.625%
HK$42,237
+HK$2,423/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,628/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,679
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,797
−HK$1,134/mo
Today · 4.125%
HK$43,931
baseline
▲ 0.50% · 4.625%
HK$46,247
+HK$2,316/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,862/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,958
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,356
−HK$1,421/mo
Today · 4.125%
HK$47,777
baseline
▲ 0.50% · 4.625%
HK$50,684
+HK$2,907/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,554/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,015
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,357
−HK$1,361/mo
Today · 4.125%
HK$52,718
baseline
▲ 0.50% · 4.625%
HK$55,496
+HK$2,778/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,436/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,451
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,083
−HK$1,657/mo
Today · 4.125%
HK$55,740
baseline
▲ 0.50% · 4.625%
HK$59,132
+HK$3,392/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,480/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,351
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,916
−HK$1,588/mo
Today · 4.125%
HK$61,504
baseline
▲ 0.50% · 4.625%
HK$64,746
+HK$3,242/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$123,008/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,437
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,535
−HK$2,131/mo
Today · 4.125%
HK$71,666
baseline
▲ 0.50% · 4.625%
HK$76,027
+HK$4,361/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,332/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,023
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,035
−HK$2,041/mo
Today · 4.125%
HK$79,076
baseline
▲ 0.50% · 4.625%
HK$83,245
+HK$4,169/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,152/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,132 · Scale 2, in force from 26 Feb 2026)