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$37,478
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,644
−HK$1,185/mo
Today · 4.125%
HK$39,829
baseline
▲ 0.50% · 4.625%
HK$42,252
+HK$2,423/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,658/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,694
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,812
−HK$1,135/mo
Today · 4.125%
HK$43,947
baseline
▲ 0.50% · 4.625%
HK$46,263
+HK$2,316/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,894/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,974
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,373
−HK$1,421/mo
Today · 4.125%
HK$47,794
baseline
▲ 0.50% · 4.625%
HK$50,702
+HK$2,908/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,588/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,033
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,375
−HK$1,361/mo
Today · 4.125%
HK$52,736
baseline
▲ 0.50% · 4.625%
HK$55,516
+HK$2,780/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,472/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,470
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,102
−HK$1,658/mo
Today · 4.125%
HK$55,760
baseline
▲ 0.50% · 4.625%
HK$59,153
+HK$3,393/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,520/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,372
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,937
−HK$1,589/mo
Today · 4.125%
HK$61,526
baseline
▲ 0.50% · 4.625%
HK$64,769
+HK$3,243/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,052/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,461
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,559
−HK$2,132/mo
Today · 4.125%
HK$71,691
baseline
▲ 0.50% · 4.625%
HK$76,054
+HK$4,363/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,382/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,050
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,062
−HK$2,042/mo
Today · 4.125%
HK$79,104
baseline
▲ 0.50% · 4.625%
HK$83,274
+HK$4,170/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,208/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,351 · Scale 2, in force from 26 Feb 2026)