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$37,401
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,564
−HK$1,182/mo
Today · 4.125%
HK$39,746
baseline
▲ 0.50% · 4.625%
HK$42,165
+HK$2,419/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,492/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,608
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,724
−HK$1,132/mo
Today · 4.125%
HK$43,856
baseline
▲ 0.50% · 4.625%
HK$46,168
+HK$2,312/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,712/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,881
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,277
−HK$1,419/mo
Today · 4.125%
HK$47,696
baseline
▲ 0.50% · 4.625%
HK$50,598
+HK$2,902/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,392/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,930
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,269
−HK$1,358/mo
Today · 4.125%
HK$52,627
baseline
▲ 0.50% · 4.625%
HK$55,402
+HK$2,775/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,254/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,361
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$53,990
−HK$1,655/mo
Today · 4.125%
HK$55,645
baseline
▲ 0.50% · 4.625%
HK$59,031
+HK$3,386/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,290/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,252
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,814
−HK$1,585/mo
Today · 4.125%
HK$61,399
baseline
▲ 0.50% · 4.625%
HK$64,635
+HK$3,236/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,798/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,322
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,416
−HK$2,128/mo
Today · 4.125%
HK$71,544
baseline
▲ 0.50% · 4.625%
HK$75,897
+HK$4,353/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$143,088/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,895
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,904
−HK$2,037/mo
Today · 4.125%
HK$78,941
baseline
▲ 0.50% · 4.625%
HK$83,102
+HK$4,161/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$157,882/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,080 · Scale 2, in force from 26 Feb 2026)