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$37,506
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,672
−HK$1,186/mo
Today · 4.125%
HK$39,858
baseline
▲ 0.50% · 4.625%
HK$42,283
+HK$2,425/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,716/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,725
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,844
−HK$1,135/mo
Today · 4.125%
HK$43,979
baseline
▲ 0.50% · 4.625%
HK$46,297
+HK$2,318/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,958/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,007
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,407
−HK$1,422/mo
Today · 4.125%
HK$47,829
baseline
▲ 0.50% · 4.625%
HK$50,739
+HK$2,910/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,658/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,070
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,412
−HK$1,363/mo
Today · 4.125%
HK$52,775
baseline
▲ 0.50% · 4.625%
HK$55,557
+HK$2,782/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,550/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,508
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,141
−HK$1,660/mo
Today · 4.125%
HK$55,801
baseline
▲ 0.50% · 4.625%
HK$59,196
+HK$3,395/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,602/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,415
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,981
−HK$1,590/mo
Today · 4.125%
HK$61,571
baseline
▲ 0.50% · 4.625%
HK$64,816
+HK$3,245/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,142/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,510
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,610
−HK$2,134/mo
Today · 4.125%
HK$71,744
baseline
▲ 0.50% · 4.625%
HK$76,109
+HK$4,365/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,488/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,104
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,119
−HK$2,043/mo
Today · 4.125%
HK$79,162
baseline
▲ 0.50% · 4.625%
HK$83,335
+HK$4,173/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,324/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,801 · Scale 2, in force from 26 Feb 2026)