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$37,438
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,603
−HK$1,183/mo
Today · 4.125%
HK$39,786
baseline
▲ 0.50% · 4.625%
HK$42,207
+HK$2,421/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,572/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,649
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,766
−HK$1,134/mo
Today · 4.125%
HK$43,900
baseline
▲ 0.50% · 4.625%
HK$46,214
+HK$2,314/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,800/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,926
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,323
−HK$1,420/mo
Today · 4.125%
HK$47,743
baseline
▲ 0.50% · 4.625%
HK$50,648
+HK$2,905/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,486/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,979
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,320
−HK$1,360/mo
Today · 4.125%
HK$52,680
baseline
▲ 0.50% · 4.625%
HK$55,456
+HK$2,776/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,360/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,413
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,044
−HK$1,656/mo
Today · 4.125%
HK$55,700
baseline
▲ 0.50% · 4.625%
HK$59,089
+HK$3,389/mo
Deposit HK$4.93M · loan HK$11.49M · min. income ≈ HK$111,400/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,309
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,873
−HK$1,586/mo
Today · 4.125%
HK$61,459
baseline
▲ 0.50% · 4.625%
HK$64,699
+HK$3,240/mo
Deposit HK$4.93M · loan HK$11.49M · min. income ≈ HK$122,918/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,388
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,485
−HK$2,129/mo
Today · 4.125%
HK$71,614
baseline
▲ 0.50% · 4.625%
HK$75,972
+HK$4,358/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$143,228/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,969
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,980
−HK$2,039/mo
Today · 4.125%
HK$79,019
baseline
▲ 0.50% · 4.625%
HK$83,185
+HK$4,166/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$158,038/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,688 · Scale 2, in force from 26 Feb 2026)