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$37,381
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,543
−HK$1,182/mo
Today · 4.125%
HK$39,725
baseline
▲ 0.50% · 4.625%
HK$42,142
+HK$2,417/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,450/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,586
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,701
−HK$1,131/mo
Today · 4.125%
HK$43,832
baseline
▲ 0.50% · 4.625%
HK$46,143
+HK$2,311/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,664/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,857
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,252
−HK$1,418/mo
Today · 4.125%
HK$47,670
baseline
▲ 0.50% · 4.625%
HK$50,570
+HK$2,900/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,340/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,903
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,241
−HK$1,358/mo
Today · 4.125%
HK$52,599
baseline
▲ 0.50% · 4.625%
HK$55,371
+HK$2,772/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,198/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,333
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,961
−HK$1,654/mo
Today · 4.125%
HK$55,615
baseline
▲ 0.50% · 4.625%
HK$58,999
+HK$3,384/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,230/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,220
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,781
−HK$1,584/mo
Today · 4.125%
HK$61,365
baseline
▲ 0.50% · 4.625%
HK$64,600
+HK$3,235/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,730/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,285
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,378
−HK$2,126/mo
Today · 4.125%
HK$71,504
baseline
▲ 0.50% · 4.625%
HK$75,855
+HK$4,351/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$143,008/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,854
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,862
−HK$2,036/mo
Today · 4.125%
HK$78,898
baseline
▲ 0.50% · 4.625%
HK$83,057
+HK$4,159/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,796/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,744 · Scale 2, in force from 26 Feb 2026)