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$37,445
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,610
−HK$1,184/mo
Today · 4.125%
HK$39,794
baseline
▲ 0.50% · 4.625%
HK$42,215
+HK$2,421/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,588/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,658
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,775
−HK$1,133/mo
Today · 4.125%
HK$43,908
baseline
▲ 0.50% · 4.625%
HK$46,223
+HK$2,315/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,816/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,935
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,332
−HK$1,420/mo
Today · 4.125%
HK$47,752
baseline
▲ 0.50% · 4.625%
HK$50,658
+HK$2,906/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,504/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,989
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,330
−HK$1,360/mo
Today · 4.125%
HK$52,690
baseline
▲ 0.50% · 4.625%
HK$55,467
+HK$2,777/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,380/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,424
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,054
−HK$1,657/mo
Today · 4.125%
HK$55,711
baseline
▲ 0.50% · 4.625%
HK$59,101
+HK$3,390/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,422/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,321
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,885
−HK$1,587/mo
Today · 4.125%
HK$61,472
baseline
▲ 0.50% · 4.625%
HK$64,712
+HK$3,240/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$122,944/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,402
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,498
−HK$2,131/mo
Today · 4.125%
HK$71,629
baseline
▲ 0.50% · 4.625%
HK$75,987
+HK$4,358/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$143,258/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,984
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,995
−HK$2,040/mo
Today · 4.125%
HK$79,035
baseline
▲ 0.50% · 4.625%
HK$83,201
+HK$4,166/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$158,070/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,811 · Scale 2, in force from 26 Feb 2026)