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$37,399
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,562
−HK$1,182/mo
Today · 4.125%
HK$39,744
baseline
▲ 0.50% · 4.625%
HK$42,162
+HK$2,418/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,488/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,606
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,722
−HK$1,132/mo
Today · 4.125%
HK$43,854
baseline
▲ 0.50% · 4.625%
HK$46,165
+HK$2,311/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,708/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,878
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,274
−HK$1,419/mo
Today · 4.125%
HK$47,693
baseline
▲ 0.50% · 4.625%
HK$50,595
+HK$2,902/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,386/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,927
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,266
−HK$1,358/mo
Today · 4.125%
HK$52,624
baseline
▲ 0.50% · 4.625%
HK$55,398
+HK$2,774/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,248/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,358
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$53,987
−HK$1,655/mo
Today · 4.125%
HK$55,642
baseline
▲ 0.50% · 4.625%
HK$59,027
+HK$3,385/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,284/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,248
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,810
−HK$1,585/mo
Today · 4.125%
HK$61,395
baseline
▲ 0.50% · 4.625%
HK$64,631
+HK$3,236/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,790/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,318
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,412
−HK$2,127/mo
Today · 4.125%
HK$71,539
baseline
▲ 0.50% · 4.625%
HK$75,892
+HK$4,353/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$143,078/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,890
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,899
−HK$2,037/mo
Today · 4.125%
HK$78,936
baseline
▲ 0.50% · 4.625%
HK$83,097
+HK$4,161/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$157,872/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,042 · Scale 2, in force from 26 Feb 2026)