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$37,515
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,682
−HK$1,185/mo
Today · 4.125%
HK$39,867
baseline
▲ 0.50% · 4.625%
HK$42,293
+HK$2,426/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,734/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,735
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,854
−HK$1,136/mo
Today · 4.125%
HK$43,990
baseline
▲ 0.50% · 4.625%
HK$46,309
+HK$2,319/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$87,980/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,018
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,418
−HK$1,423/mo
Today · 4.125%
HK$47,841
baseline
▲ 0.50% · 4.625%
HK$50,752
+HK$2,911/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,682/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,082
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,425
−HK$1,363/mo
Today · 4.125%
HK$52,788
baseline
▲ 0.50% · 4.625%
HK$55,570
+HK$2,782/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,576/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,521
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,155
−HK$1,659/mo
Today · 4.125%
HK$55,814
baseline
▲ 0.50% · 4.625%
HK$59,211
+HK$3,397/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,628/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,429
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,996
−HK$1,590/mo
Today · 4.125%
HK$61,586
baseline
▲ 0.50% · 4.625%
HK$64,832
+HK$3,246/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,172/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,527
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,627
−HK$2,134/mo
Today · 4.125%
HK$71,761
baseline
▲ 0.50% · 4.625%
HK$76,128
+HK$4,367/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,522/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,123
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,138
−HK$2,044/mo
Today · 4.125%
HK$79,182
baseline
▲ 0.50% · 4.625%
HK$83,355
+HK$4,173/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,364/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,953 · Scale 2, in force from 26 Feb 2026)