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$37,523
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,690
−HK$1,186/mo
Today · 4.125%
HK$39,876
baseline
▲ 0.50% · 4.625%
HK$42,302
+HK$2,426/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,752/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$617,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,744
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,863
−HK$1,136/mo
Today · 4.125%
HK$43,999
baseline
▲ 0.50% · 4.625%
HK$46,318
+HK$2,319/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$87,998/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$617,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,027
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,428
−HK$1,423/mo
Today · 4.125%
HK$47,851
baseline
▲ 0.50% · 4.625%
HK$50,762
+HK$2,911/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,702/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,092
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,436
−HK$1,363/mo
Today · 4.125%
HK$52,799
baseline
▲ 0.50% · 4.625%
HK$55,582
+HK$2,783/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,598/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,532
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,166
−HK$1,660/mo
Today · 4.125%
HK$55,826
baseline
▲ 0.50% · 4.625%
HK$59,223
+HK$3,397/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,652/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,441
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$60,008
−HK$1,590/mo
Today · 4.125%
HK$61,598
baseline
▲ 0.50% · 4.625%
HK$64,845
+HK$3,247/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,196/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,541
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,642
−HK$2,134/mo
Today · 4.125%
HK$71,776
baseline
▲ 0.50% · 4.625%
HK$76,143
+HK$4,367/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,552/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,138
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,154
−HK$2,044/mo
Today · 4.125%
HK$79,198
baseline
▲ 0.50% · 4.625%
HK$83,372
+HK$4,174/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,396/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,079 · Scale 2, in force from 26 Feb 2026)