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$37,512
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,679
−HK$1,185/mo
Today · 4.125%
HK$39,864
baseline
▲ 0.50% · 4.625%
HK$42,290
+HK$2,426/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,728/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,732
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,851
−HK$1,135/mo
Today · 4.125%
HK$43,986
baseline
▲ 0.50% · 4.625%
HK$46,305
+HK$2,319/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$87,972/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,014
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,415
−HK$1,422/mo
Today · 4.125%
HK$47,837
baseline
▲ 0.50% · 4.625%
HK$50,748
+HK$2,911/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,674/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,078
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,421
−HK$1,363/mo
Today · 4.125%
HK$52,784
baseline
▲ 0.50% · 4.625%
HK$55,566
+HK$2,782/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,568/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,517
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,150
−HK$1,660/mo
Today · 4.125%
HK$55,810
baseline
▲ 0.50% · 4.625%
HK$59,206
+HK$3,396/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,620/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,424
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,991
−HK$1,590/mo
Today · 4.125%
HK$61,581
baseline
▲ 0.50% · 4.625%
HK$64,827
+HK$3,246/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,162/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,521
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,622
−HK$2,134/mo
Today · 4.125%
HK$71,756
baseline
▲ 0.50% · 4.625%
HK$76,122
+HK$4,366/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,512/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,117
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,132
−HK$2,043/mo
Today · 4.125%
HK$79,175
baseline
▲ 0.50% · 4.625%
HK$83,349
+HK$4,174/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,350/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,903 · Scale 2, in force from 26 Feb 2026)