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$37,488
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,654
−HK$1,185/mo
Today · 4.125%
HK$39,839
baseline
▲ 0.50% · 4.625%
HK$42,263
+HK$2,424/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,678/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,705
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,824
−HK$1,134/mo
Today · 4.125%
HK$43,958
baseline
▲ 0.50% · 4.625%
HK$46,275
+HK$2,317/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,916/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,986
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,385
−HK$1,422/mo
Today · 4.125%
HK$47,807
baseline
▲ 0.50% · 4.625%
HK$50,716
+HK$2,909/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$95,614/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,046
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,388
−HK$1,362/mo
Today · 4.125%
HK$52,750
baseline
▲ 0.50% · 4.625%
HK$55,531
+HK$2,781/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$105,500/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,483
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,116
−HK$1,659/mo
Today · 4.125%
HK$55,775
baseline
▲ 0.50% · 4.625%
HK$59,168
+HK$3,393/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,550/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,387
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,953
−HK$1,589/mo
Today · 4.125%
HK$61,542
baseline
▲ 0.50% · 4.625%
HK$64,786
+HK$3,244/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,084/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,479
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,578
−HK$2,132/mo
Today · 4.125%
HK$71,710
baseline
▲ 0.50% · 4.625%
HK$76,073
+HK$4,363/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,420/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,069
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,083
−HK$2,042/mo
Today · 4.125%
HK$79,125
baseline
▲ 0.50% · 4.625%
HK$83,296
+HK$4,171/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,250/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,512 · Scale 2, in force from 26 Feb 2026)