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$37,476
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,641
−HK$1,185/mo
Today · 4.125%
HK$39,826
baseline
▲ 0.50% · 4.625%
HK$42,249
+HK$2,423/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,652/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,691
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,809
−HK$1,135/mo
Today · 4.125%
HK$43,944
baseline
▲ 0.50% · 4.625%
HK$46,260
+HK$2,316/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,888/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,971
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,370
−HK$1,421/mo
Today · 4.125%
HK$47,791
baseline
▲ 0.50% · 4.625%
HK$50,699
+HK$2,908/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,582/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,029
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,371
−HK$1,361/mo
Today · 4.125%
HK$52,732
baseline
▲ 0.50% · 4.625%
HK$55,512
+HK$2,780/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,464/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,466
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,098
−HK$1,658/mo
Today · 4.125%
HK$55,756
baseline
▲ 0.50% · 4.625%
HK$59,149
+HK$3,393/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,512/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,368
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,933
−HK$1,588/mo
Today · 4.125%
HK$61,521
baseline
▲ 0.50% · 4.625%
HK$64,764
+HK$3,243/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$123,042/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,456
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,554
−HK$2,132/mo
Today · 4.125%
HK$71,686
baseline
▲ 0.50% · 4.625%
HK$76,048
+HK$4,362/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,372/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,044
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,057
−HK$2,042/mo
Today · 4.125%
HK$79,099
baseline
▲ 0.50% · 4.625%
HK$83,268
+HK$4,169/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,198/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,306 · Scale 2, in force from 26 Feb 2026)