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$37,433
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,598
−HK$1,183/mo
Today · 4.125%
HK$39,781
baseline
▲ 0.50% · 4.625%
HK$42,201
+HK$2,420/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,562/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,644
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,761
−HK$1,133/mo
Today · 4.125%
HK$43,894
baseline
▲ 0.50% · 4.625%
HK$46,208
+HK$2,314/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,788/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,920
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,317
−HK$1,420/mo
Today · 4.125%
HK$47,737
baseline
▲ 0.50% · 4.625%
HK$50,641
+HK$2,904/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,474/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,973
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,313
−HK$1,360/mo
Today · 4.125%
HK$52,673
baseline
▲ 0.50% · 4.625%
HK$55,449
+HK$2,776/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,346/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,407
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,037
−HK$1,656/mo
Today · 4.125%
HK$55,693
baseline
▲ 0.50% · 4.625%
HK$59,082
+HK$3,389/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,386/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,302
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,865
−HK$1,587/mo
Today · 4.125%
HK$61,452
baseline
▲ 0.50% · 4.625%
HK$64,691
+HK$3,239/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,904/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,380
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,476
−HK$2,129/mo
Today · 4.125%
HK$71,605
baseline
▲ 0.50% · 4.625%
HK$75,962
+HK$4,357/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,210/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,959
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,970
−HK$2,039/mo
Today · 4.125%
HK$79,009
baseline
▲ 0.50% · 4.625%
HK$83,174
+HK$4,165/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$158,018/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,609 · Scale 2, in force from 26 Feb 2026)