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$37,404
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,567
−HK$1,182/mo
Today · 4.125%
HK$39,749
baseline
▲ 0.50% · 4.625%
HK$42,168
+HK$2,419/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,498/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,611
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,727
−HK$1,132/mo
Today · 4.125%
HK$43,859
baseline
▲ 0.50% · 4.625%
HK$46,171
+HK$2,312/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,718/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,885
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,281
−HK$1,418/mo
Today · 4.125%
HK$47,699
baseline
▲ 0.50% · 4.625%
HK$50,602
+HK$2,903/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,398/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,934
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,273
−HK$1,358/mo
Today · 4.125%
HK$52,631
baseline
▲ 0.50% · 4.625%
HK$55,406
+HK$2,775/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,262/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,365
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$53,994
−HK$1,655/mo
Today · 4.125%
HK$55,649
baseline
▲ 0.50% · 4.625%
HK$59,035
+HK$3,386/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,298/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,256
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,818
−HK$1,585/mo
Today · 4.125%
HK$61,403
baseline
▲ 0.50% · 4.625%
HK$64,640
+HK$3,237/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,806/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,327
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,421
−HK$2,128/mo
Today · 4.125%
HK$71,549
baseline
▲ 0.50% · 4.625%
HK$75,902
+HK$4,353/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$143,098/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,900
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,909
−HK$2,038/mo
Today · 4.125%
HK$78,947
baseline
▲ 0.50% · 4.625%
HK$83,108
+HK$4,161/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$157,894/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,125 · Scale 2, in force from 26 Feb 2026)