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$37,417
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,581
−HK$1,182/mo
Today · 4.125%
HK$39,763
baseline
▲ 0.50% · 4.625%
HK$42,183
+HK$2,420/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,526/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,626
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,742
−HK$1,133/mo
Today · 4.125%
HK$43,875
baseline
▲ 0.50% · 4.625%
HK$46,188
+HK$2,313/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,750/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,900
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,297
−HK$1,419/mo
Today · 4.125%
HK$47,716
baseline
▲ 0.50% · 4.625%
HK$50,620
+HK$2,904/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$95,432/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,951
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,291
−HK$1,359/mo
Today · 4.125%
HK$52,650
baseline
▲ 0.50% · 4.625%
HK$55,425
+HK$2,775/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$105,300/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,384
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,013
−HK$1,656/mo
Today · 4.125%
HK$55,669
baseline
▲ 0.50% · 4.625%
HK$59,056
+HK$3,387/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,338/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,277
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,839
−HK$1,586/mo
Today · 4.125%
HK$61,425
baseline
▲ 0.50% · 4.625%
HK$64,663
+HK$3,238/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,850/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,351
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,446
−HK$2,128/mo
Today · 4.125%
HK$71,574
baseline
▲ 0.50% · 4.625%
HK$75,929
+HK$4,355/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,148/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,927
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,936
−HK$2,039/mo
Today · 4.125%
HK$78,975
baseline
▲ 0.50% · 4.625%
HK$83,138
+HK$4,163/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,950/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,343 · Scale 2, in force from 26 Feb 2026)