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$37,390
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,553
−HK$1,181/mo
Today · 4.125%
HK$39,734
baseline
▲ 0.50% · 4.625%
HK$42,152
+HK$2,418/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,468/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,596
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,711
−HK$1,132/mo
Today · 4.125%
HK$43,843
baseline
▲ 0.50% · 4.625%
HK$46,154
+HK$2,311/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,686/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,868
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,263
−HK$1,418/mo
Today · 4.125%
HK$47,681
baseline
▲ 0.50% · 4.625%
HK$50,582
+HK$2,901/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,362/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,915
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,253
−HK$1,358/mo
Today · 4.125%
HK$52,611
baseline
▲ 0.50% · 4.625%
HK$55,385
+HK$2,774/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,222/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,346
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,974
−HK$1,654/mo
Today · 4.125%
HK$55,628
baseline
▲ 0.50% · 4.625%
HK$59,013
+HK$3,385/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,256/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,234
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,796
−HK$1,584/mo
Today · 4.125%
HK$61,380
baseline
▲ 0.50% · 4.625%
HK$64,615
+HK$3,235/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,760/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,301
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,395
−HK$2,127/mo
Today · 4.125%
HK$71,522
baseline
▲ 0.50% · 4.625%
HK$75,874
+HK$4,352/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$143,044/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,872
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,880
−HK$2,037/mo
Today · 4.125%
HK$78,917
baseline
▲ 0.50% · 4.625%
HK$83,077
+HK$4,160/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$157,834/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,893 · Scale 2, in force from 26 Feb 2026)