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$37,437
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,602
−HK$1,183/mo
Today · 4.125%
HK$39,785
baseline
▲ 0.50% · 4.625%
HK$42,206
+HK$2,421/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,570/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,648
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,765
−HK$1,134/mo
Today · 4.125%
HK$43,899
baseline
▲ 0.50% · 4.625%
HK$46,212
+HK$2,313/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,798/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,925
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,322
−HK$1,420/mo
Today · 4.125%
HK$47,742
baseline
▲ 0.50% · 4.625%
HK$50,647
+HK$2,905/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,484/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,978
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,318
−HK$1,360/mo
Today · 4.125%
HK$52,678
baseline
▲ 0.50% · 4.625%
HK$55,455
+HK$2,777/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,356/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,412
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,042
−HK$1,657/mo
Today · 4.125%
HK$55,699
baseline
▲ 0.50% · 4.625%
HK$59,088
+HK$3,389/mo
Deposit HK$4.93M · loan HK$11.49M · min. income ≈ HK$111,398/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,308
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,872
−HK$1,586/mo
Today · 4.125%
HK$61,458
baseline
▲ 0.50% · 4.625%
HK$64,697
+HK$3,239/mo
Deposit HK$4.93M · loan HK$11.49M · min. income ≈ HK$122,916/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,387
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,483
−HK$2,130/mo
Today · 4.125%
HK$71,613
baseline
▲ 0.50% · 4.625%
HK$75,970
+HK$4,357/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$143,226/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,967
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,978
−HK$2,039/mo
Today · 4.125%
HK$79,017
baseline
▲ 0.50% · 4.625%
HK$83,182
+HK$4,165/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$158,034/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,673 · Scale 2, in force from 26 Feb 2026)