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$37,473
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,638
−HK$1,185/mo
Today · 4.125%
HK$39,823
baseline
▲ 0.50% · 4.625%
HK$42,246
+HK$2,423/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,646/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,688
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,806
−HK$1,134/mo
Today · 4.125%
HK$43,940
baseline
▲ 0.50% · 4.625%
HK$46,256
+HK$2,316/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,880/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,967
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,366
−HK$1,421/mo
Today · 4.125%
HK$47,787
baseline
▲ 0.50% · 4.625%
HK$50,695
+HK$2,908/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,574/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,026
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,367
−HK$1,361/mo
Today · 4.125%
HK$52,728
baseline
▲ 0.50% · 4.625%
HK$55,508
+HK$2,780/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,456/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,462
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,094
−HK$1,658/mo
Today · 4.125%
HK$55,752
baseline
▲ 0.50% · 4.625%
HK$59,144
+HK$3,392/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,504/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,363
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,928
−HK$1,588/mo
Today · 4.125%
HK$61,516
baseline
▲ 0.50% · 4.625%
HK$64,759
+HK$3,243/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$123,032/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,451
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,549
−HK$2,132/mo
Today · 4.125%
HK$71,681
baseline
▲ 0.50% · 4.625%
HK$76,042
+HK$4,361/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,362/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,038
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,051
−HK$2,041/mo
Today · 4.125%
HK$79,092
baseline
▲ 0.50% · 4.625%
HK$83,261
+HK$4,169/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,184/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,258 · Scale 2, in force from 26 Feb 2026)