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$37,508
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,674
−HK$1,186/mo
Today · 4.125%
HK$39,860
baseline
▲ 0.50% · 4.625%
HK$42,285
+HK$2,425/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,720/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,727
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,846
−HK$1,135/mo
Today · 4.125%
HK$43,981
baseline
▲ 0.50% · 4.625%
HK$46,300
+HK$2,319/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,962/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,009
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,409
−HK$1,423/mo
Today · 4.125%
HK$47,832
baseline
▲ 0.50% · 4.625%
HK$50,742
+HK$2,910/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,664/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,072
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,415
−HK$1,363/mo
Today · 4.125%
HK$52,778
baseline
▲ 0.50% · 4.625%
HK$55,560
+HK$2,782/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,556/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,511
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,144
−HK$1,660/mo
Today · 4.125%
HK$55,804
baseline
▲ 0.50% · 4.625%
HK$59,199
+HK$3,395/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,608/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,418
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,985
−HK$1,589/mo
Today · 4.125%
HK$61,574
baseline
▲ 0.50% · 4.625%
HK$64,820
+HK$3,246/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,148/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,514
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,614
−HK$2,134/mo
Today · 4.125%
HK$71,748
baseline
▲ 0.50% · 4.625%
HK$76,113
+HK$4,365/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,496/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,109
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,123
−HK$2,044/mo
Today · 4.125%
HK$79,167
baseline
▲ 0.50% · 4.625%
HK$83,340
+HK$4,173/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,334/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,836 · Scale 2, in force from 26 Feb 2026)