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$37,500
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,666
−HK$1,185/mo
Today · 4.125%
HK$39,851
baseline
▲ 0.50% · 4.625%
HK$42,276
+HK$2,425/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,702/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,718
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,837
−HK$1,135/mo
Today · 4.125%
HK$43,972
baseline
▲ 0.50% · 4.625%
HK$46,290
+HK$2,318/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,944/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,000
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,400
−HK$1,422/mo
Today · 4.125%
HK$47,822
baseline
▲ 0.50% · 4.625%
HK$50,732
+HK$2,910/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,644/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,062
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,405
−HK$1,362/mo
Today · 4.125%
HK$52,767
baseline
▲ 0.50% · 4.625%
HK$55,548
+HK$2,781/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,534/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,500
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,133
−HK$1,659/mo
Today · 4.125%
HK$55,792
baseline
▲ 0.50% · 4.625%
HK$59,187
+HK$3,395/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,584/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,406
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,972
−HK$1,589/mo
Today · 4.125%
HK$61,561
baseline
▲ 0.50% · 4.625%
HK$64,806
+HK$3,245/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,122/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,500
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,599
−HK$2,134/mo
Today · 4.125%
HK$71,733
baseline
▲ 0.50% · 4.625%
HK$76,097
+HK$4,364/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,466/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,093
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,107
−HK$2,043/mo
Today · 4.125%
HK$79,150
baseline
▲ 0.50% · 4.625%
HK$83,322
+HK$4,172/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,300/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,706 · Scale 2, in force from 26 Feb 2026)