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$37,421
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,585
−HK$1,182/mo
Today · 4.125%
HK$39,767
baseline
▲ 0.50% · 4.625%
HK$42,187
+HK$2,420/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,534/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,630
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,747
−HK$1,132/mo
Today · 4.125%
HK$43,879
baseline
▲ 0.50% · 4.625%
HK$46,192
+HK$2,313/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,758/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,905
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,302
−HK$1,419/mo
Today · 4.125%
HK$47,721
baseline
▲ 0.50% · 4.625%
HK$50,625
+HK$2,904/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$95,442/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,956
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,296
−HK$1,359/mo
Today · 4.125%
HK$52,655
baseline
▲ 0.50% · 4.625%
HK$55,431
+HK$2,776/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$105,310/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,389
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,019
−HK$1,655/mo
Today · 4.125%
HK$55,674
baseline
▲ 0.50% · 4.625%
HK$59,062
+HK$3,388/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,348/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,282
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,845
−HK$1,586/mo
Today · 4.125%
HK$61,431
baseline
▲ 0.50% · 4.625%
HK$64,669
+HK$3,238/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,862/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,357
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,453
−HK$2,128/mo
Today · 4.125%
HK$71,581
baseline
▲ 0.50% · 4.625%
HK$75,937
+HK$4,356/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,162/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,934
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,944
−HK$2,039/mo
Today · 4.125%
HK$78,983
baseline
▲ 0.50% · 4.625%
HK$83,146
+HK$4,163/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,966/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,405 · Scale 2, in force from 26 Feb 2026)