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$37,472
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,638
−HK$1,184/mo
Today · 4.125%
HK$39,822
baseline
▲ 0.50% · 4.625%
HK$42,245
+HK$2,423/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,644/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,687
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,805
−HK$1,134/mo
Today · 4.125%
HK$43,939
baseline
▲ 0.50% · 4.625%
HK$46,256
+HK$2,317/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,878/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,966
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,365
−HK$1,421/mo
Today · 4.125%
HK$47,786
baseline
▲ 0.50% · 4.625%
HK$50,694
+HK$2,908/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,572/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,025
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,366
−HK$1,361/mo
Today · 4.125%
HK$52,727
baseline
▲ 0.50% · 4.625%
HK$55,507
+HK$2,780/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,454/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,461
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,093
−HK$1,658/mo
Today · 4.125%
HK$55,751
baseline
▲ 0.50% · 4.625%
HK$59,143
+HK$3,392/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,502/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,362
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,927
−HK$1,588/mo
Today · 4.125%
HK$61,515
baseline
▲ 0.50% · 4.625%
HK$64,758
+HK$3,243/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$123,030/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,450
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,548
−HK$2,131/mo
Today · 4.125%
HK$71,679
baseline
▲ 0.50% · 4.625%
HK$76,041
+HK$4,362/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,358/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,037
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,049
−HK$2,042/mo
Today · 4.125%
HK$79,091
baseline
▲ 0.50% · 4.625%
HK$83,260
+HK$4,169/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,182/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,247 · Scale 2, in force from 26 Feb 2026)