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$38,642
−HK$1,184/mo
Today · 4.125%
HK$39,826
baseline
▲ 0.50% · 4.625%
HK$42,250
+HK$2,424/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$616,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,692
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,810
−HK$1,134/mo
Today · 4.125%
HK$43,944
baseline
▲ 0.50% · 4.625%
HK$46,261
+HK$2,317/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$616,315 · 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$616,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,030
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,372
−HK$1,361/mo
Today · 4.125%
HK$52,733
baseline
▲ 0.50% · 4.625%
HK$55,513
+HK$2,780/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,466/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,467
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,099
−HK$1,658/mo
Today · 4.125%
HK$55,757
baseline
▲ 0.50% · 4.625%
HK$59,149
+HK$3,392/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,514/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,369
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,934
−HK$1,588/mo
Today · 4.125%
HK$61,522
baseline
▲ 0.50% · 4.625%
HK$64,765
+HK$3,243/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$123,044/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,457
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,555
−HK$2,132/mo
Today · 4.125%
HK$71,687
baseline
▲ 0.50% · 4.625%
HK$76,049
+HK$4,362/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,374/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,045
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,058
−HK$2,042/mo
Today · 4.125%
HK$79,100
baseline
▲ 0.50% · 4.625%
HK$83,269
+HK$4,169/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,200/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,315 · Scale 2, in force from 26 Feb 2026)