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$37,469
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,634
−HK$1,184/mo
Today · 4.125%
HK$39,818
baseline
▲ 0.50% · 4.625%
HK$42,241
+HK$2,423/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,636/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,683
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,801
−HK$1,134/mo
Today · 4.125%
HK$43,935
baseline
▲ 0.50% · 4.625%
HK$46,251
+HK$2,316/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,870/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,962
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,361
−HK$1,421/mo
Today · 4.125%
HK$47,782
baseline
▲ 0.50% · 4.625%
HK$50,689
+HK$2,907/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,564/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,020
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,362
−HK$1,360/mo
Today · 4.125%
HK$52,722
baseline
▲ 0.50% · 4.625%
HK$55,502
+HK$2,780/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,444/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,456
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,088
−HK$1,657/mo
Today · 4.125%
HK$55,745
baseline
▲ 0.50% · 4.625%
HK$59,137
+HK$3,392/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,490/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,357
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,922
−HK$1,588/mo
Today · 4.125%
HK$61,510
baseline
▲ 0.50% · 4.625%
HK$64,752
+HK$3,242/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$123,020/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,443
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,541
−HK$2,132/mo
Today · 4.125%
HK$71,673
baseline
▲ 0.50% · 4.625%
HK$76,034
+HK$4,361/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,346/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,030
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,042
−HK$2,042/mo
Today · 4.125%
HK$79,084
baseline
▲ 0.50% · 4.625%
HK$83,252
+HK$4,168/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,168/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,190 · Scale 2, in force from 26 Feb 2026)