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$37,423
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,587
−HK$1,182/mo
Today · 4.125%
HK$39,769
baseline
▲ 0.50% · 4.625%
HK$42,189
+HK$2,420/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,538/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,632
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,749
−HK$1,133/mo
Today · 4.125%
HK$43,882
baseline
▲ 0.50% · 4.625%
HK$46,195
+HK$2,313/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,764/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,907
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,304
−HK$1,419/mo
Today · 4.125%
HK$47,723
baseline
▲ 0.50% · 4.625%
HK$50,627
+HK$2,904/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$95,446/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,959
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,299
−HK$1,359/mo
Today · 4.125%
HK$52,658
baseline
▲ 0.50% · 4.625%
HK$55,434
+HK$2,776/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$105,316/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,392
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,021
−HK$1,656/mo
Today · 4.125%
HK$55,677
baseline
▲ 0.50% · 4.625%
HK$59,065
+HK$3,388/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,354/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,285
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,848
−HK$1,586/mo
Today · 4.125%
HK$61,434
baseline
▲ 0.50% · 4.625%
HK$64,673
+HK$3,239/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,868/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,361
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,456
−HK$2,129/mo
Today · 4.125%
HK$71,585
baseline
▲ 0.50% · 4.625%
HK$75,941
+HK$4,356/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,170/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,938
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,948
−HK$2,039/mo
Today · 4.125%
HK$78,987
baseline
▲ 0.50% · 4.625%
HK$83,150
+HK$4,163/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,974/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,435 · Scale 2, in force from 26 Feb 2026)