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$37,393
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,556
−HK$1,182/mo
Today · 4.125%
HK$39,738
baseline
▲ 0.50% · 4.625%
HK$42,156
+HK$2,418/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,476/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,599
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,715
−HK$1,132/mo
Today · 4.125%
HK$43,847
baseline
▲ 0.50% · 4.625%
HK$46,158
+HK$2,311/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,694/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,872
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,267
−HK$1,418/mo
Today · 4.125%
HK$47,685
baseline
▲ 0.50% · 4.625%
HK$50,587
+HK$2,902/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,370/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,919
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,258
−HK$1,358/mo
Today · 4.125%
HK$52,616
baseline
▲ 0.50% · 4.625%
HK$55,390
+HK$2,774/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,232/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,350
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,978
−HK$1,655/mo
Today · 4.125%
HK$55,633
baseline
▲ 0.50% · 4.625%
HK$59,018
+HK$3,385/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,266/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,239
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,801
−HK$1,584/mo
Today · 4.125%
HK$61,385
baseline
▲ 0.50% · 4.625%
HK$64,621
+HK$3,236/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,770/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,307
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,401
−HK$2,127/mo
Today · 4.125%
HK$71,528
baseline
▲ 0.50% · 4.625%
HK$75,880
+HK$4,352/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$143,056/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,879
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,887
−HK$2,037/mo
Today · 4.125%
HK$78,924
baseline
▲ 0.50% · 4.625%
HK$83,084
+HK$4,160/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$157,848/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,947 · Scale 2, in force from 26 Feb 2026)