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$37,422
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,586
−HK$1,182/mo
Today · 4.125%
HK$39,768
baseline
▲ 0.50% · 4.625%
HK$42,188
+HK$2,420/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,536/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,631
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,748
−HK$1,133/mo
Today · 4.125%
HK$43,881
baseline
▲ 0.50% · 4.625%
HK$46,194
+HK$2,313/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,762/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,906
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,303
−HK$1,419/mo
Today · 4.125%
HK$47,722
baseline
▲ 0.50% · 4.625%
HK$50,626
+HK$2,904/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$95,444/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,958
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,297
−HK$1,360/mo
Today · 4.125%
HK$52,657
baseline
▲ 0.50% · 4.625%
HK$55,432
+HK$2,775/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$105,314/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,390
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,020
−HK$1,656/mo
Today · 4.125%
HK$55,676
baseline
▲ 0.50% · 4.625%
HK$59,063
+HK$3,387/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,352/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,284
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,847
−HK$1,586/mo
Today · 4.125%
HK$61,433
baseline
▲ 0.50% · 4.625%
HK$64,671
+HK$3,238/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,866/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,359
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,454
−HK$2,129/mo
Today · 4.125%
HK$71,583
baseline
▲ 0.50% · 4.625%
HK$75,939
+HK$4,356/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,166/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,936
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,946
−HK$2,039/mo
Today · 4.125%
HK$78,985
baseline
▲ 0.50% · 4.625%
HK$83,148
+HK$4,163/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,970/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,420 · Scale 2, in force from 26 Feb 2026)