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$37,442
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,606
−HK$1,184/mo
Today · 4.125%
HK$39,790
baseline
▲ 0.50% · 4.625%
HK$42,211
+HK$2,421/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,580/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,653
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,771
−HK$1,133/mo
Today · 4.125%
HK$43,904
baseline
▲ 0.50% · 4.625%
HK$46,218
+HK$2,314/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,808/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,930
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,327
−HK$1,420/mo
Today · 4.125%
HK$47,747
baseline
▲ 0.50% · 4.625%
HK$50,653
+HK$2,906/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,494/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,984
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,325
−HK$1,360/mo
Today · 4.125%
HK$52,685
baseline
▲ 0.50% · 4.625%
HK$55,462
+HK$2,777/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,370/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,418
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,049
−HK$1,656/mo
Today · 4.125%
HK$55,705
baseline
▲ 0.50% · 4.625%
HK$59,095
+HK$3,390/mo
Deposit HK$4.93M · loan HK$11.49M · min. income ≈ HK$111,410/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,315
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,879
−HK$1,586/mo
Today · 4.125%
HK$61,465
baseline
▲ 0.50% · 4.625%
HK$64,705
+HK$3,240/mo
Deposit HK$4.93M · loan HK$11.49M · min. income ≈ HK$122,930/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,395
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,491
−HK$2,130/mo
Today · 4.125%
HK$71,621
baseline
▲ 0.50% · 4.625%
HK$75,979
+HK$4,358/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$143,242/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,976
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,987
−HK$2,040/mo
Today · 4.125%
HK$79,027
baseline
▲ 0.50% · 4.625%
HK$83,192
+HK$4,165/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$158,054/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,747 · Scale 2, in force from 26 Feb 2026)