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$37,455
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,620
−HK$1,184/mo
Today · 4.125%
HK$39,804
baseline
▲ 0.50% · 4.625%
HK$42,226
+HK$2,422/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,608/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,669
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,786
−HK$1,134/mo
Today · 4.125%
HK$43,920
baseline
▲ 0.50% · 4.625%
HK$46,235
+HK$2,315/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,840/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,946
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,344
−HK$1,421/mo
Today · 4.125%
HK$47,765
baseline
▲ 0.50% · 4.625%
HK$50,671
+HK$2,906/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,530/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$615,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,002
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,343
−HK$1,361/mo
Today · 4.125%
HK$52,704
baseline
▲ 0.50% · 4.625%
HK$55,482
+HK$2,778/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,408/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$615,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,437
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,068
−HK$1,658/mo
Today · 4.125%
HK$55,726
baseline
▲ 0.50% · 4.625%
HK$59,116
+HK$3,390/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,452/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,336
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,901
−HK$1,587/mo
Today · 4.125%
HK$61,488
baseline
▲ 0.50% · 4.625%
HK$64,729
+HK$3,241/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$122,976/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,419
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,517
−HK$2,130/mo
Today · 4.125%
HK$71,647
baseline
▲ 0.50% · 4.625%
HK$76,007
+HK$4,360/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$143,294/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,004
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,015
−HK$2,041/mo
Today · 4.125%
HK$79,056
baseline
▲ 0.50% · 4.625%
HK$83,223
+HK$4,167/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$158,112/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,972 · Scale 2, in force from 26 Feb 2026)