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$37,413
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,577
−HK$1,182/mo
Today · 4.125%
HK$39,759
baseline
▲ 0.50% · 4.625%
HK$42,178
+HK$2,419/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,518/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,622
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,738
−HK$1,132/mo
Today · 4.125%
HK$43,870
baseline
▲ 0.50% · 4.625%
HK$46,183
+HK$2,313/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,740/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,896
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,292
−HK$1,419/mo
Today · 4.125%
HK$47,711
baseline
▲ 0.50% · 4.625%
HK$50,614
+HK$2,903/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,422/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,946
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,285
−HK$1,359/mo
Today · 4.125%
HK$52,644
baseline
▲ 0.50% · 4.625%
HK$55,419
+HK$2,775/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,288/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,378
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,007
−HK$1,656/mo
Today · 4.125%
HK$55,663
baseline
▲ 0.50% · 4.625%
HK$59,050
+HK$3,387/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,326/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,270
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,833
−HK$1,585/mo
Today · 4.125%
HK$61,418
baseline
▲ 0.50% · 4.625%
HK$64,656
+HK$3,238/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,836/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,343
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,438
−HK$2,128/mo
Today · 4.125%
HK$71,566
baseline
▲ 0.50% · 4.625%
HK$75,921
+HK$4,355/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,132/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,919
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,928
−HK$2,038/mo
Today · 4.125%
HK$78,966
baseline
▲ 0.50% · 4.625%
HK$83,129
+HK$4,163/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,932/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,276 · Scale 2, in force from 26 Feb 2026)