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$37,379
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,541
−HK$1,182/mo
Today · 4.125%
HK$39,723
baseline
▲ 0.50% · 4.625%
HK$42,140
+HK$2,417/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,446/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,583
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,699
−HK$1,131/mo
Today · 4.125%
HK$43,830
baseline
▲ 0.50% · 4.625%
HK$46,140
+HK$2,310/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,660/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,854
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,250
−HK$1,417/mo
Today · 4.125%
HK$47,667
baseline
▲ 0.50% · 4.625%
HK$50,568
+HK$2,901/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,334/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,900
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,238
−HK$1,358/mo
Today · 4.125%
HK$52,596
baseline
▲ 0.50% · 4.625%
HK$55,368
+HK$2,772/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,192/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,330
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,958
−HK$1,654/mo
Today · 4.125%
HK$55,612
baseline
▲ 0.50% · 4.625%
HK$58,995
+HK$3,383/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$111,224/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,217
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,778
−HK$1,584/mo
Today · 4.125%
HK$61,362
baseline
▲ 0.50% · 4.625%
HK$64,596
+HK$3,234/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$122,724/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,281
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,374
−HK$2,127/mo
Today · 4.125%
HK$71,501
baseline
▲ 0.50% · 4.625%
HK$75,851
+HK$4,350/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$143,002/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,850
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,857
−HK$2,037/mo
Today · 4.125%
HK$78,894
baseline
▲ 0.50% · 4.625%
HK$83,053
+HK$4,159/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,788/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,711 · Scale 2, in force from 26 Feb 2026)