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$37,395
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,558
−HK$1,182/mo
Today · 4.125%
HK$39,740
baseline
▲ 0.50% · 4.625%
HK$42,158
+HK$2,418/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,480/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,601
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,717
−HK$1,132/mo
Today · 4.125%
HK$43,849
baseline
▲ 0.50% · 4.625%
HK$46,160
+HK$2,311/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,698/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,874
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,269
−HK$1,419/mo
Today · 4.125%
HK$47,688
baseline
▲ 0.50% · 4.625%
HK$50,589
+HK$2,901/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,376/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,921
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,260
−HK$1,359/mo
Today · 4.125%
HK$52,619
baseline
▲ 0.50% · 4.625%
HK$55,392
+HK$2,773/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,238/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,353
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,981
−HK$1,654/mo
Today · 4.125%
HK$55,635
baseline
▲ 0.50% · 4.625%
HK$59,021
+HK$3,386/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,270/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,242
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,804
−HK$1,584/mo
Today · 4.125%
HK$61,388
baseline
▲ 0.50% · 4.625%
HK$64,624
+HK$3,236/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,776/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,310
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,404
−HK$2,127/mo
Today · 4.125%
HK$71,531
baseline
▲ 0.50% · 4.625%
HK$75,884
+HK$4,353/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$143,062/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,882
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,890
−HK$2,038/mo
Today · 4.125%
HK$78,928
baseline
▲ 0.50% · 4.625%
HK$83,088
+HK$4,160/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$157,856/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,975 · Scale 2, in force from 26 Feb 2026)