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$37,520
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,687
−HK$1,185/mo
Today · 4.125%
HK$39,872
baseline
▲ 0.50% · 4.625%
HK$42,298
+HK$2,426/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,744/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$617,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,740
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,860
−HK$1,135/mo
Today · 4.125%
HK$43,995
baseline
▲ 0.50% · 4.625%
HK$46,314
+HK$2,319/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$87,990/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$617,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,023
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,424
−HK$1,423/mo
Today · 4.125%
HK$47,847
baseline
▲ 0.50% · 4.625%
HK$50,758
+HK$2,911/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,694/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,088
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,431
−HK$1,363/mo
Today · 4.125%
HK$52,794
baseline
▲ 0.50% · 4.625%
HK$55,577
+HK$2,783/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,588/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,527
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,161
−HK$1,660/mo
Today · 4.125%
HK$55,821
baseline
▲ 0.50% · 4.625%
HK$59,218
+HK$3,397/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,642/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,436
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$60,003
−HK$1,590/mo
Today · 4.125%
HK$61,593
baseline
▲ 0.50% · 4.625%
HK$64,840
+HK$3,247/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,186/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,535
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,636
−HK$2,134/mo
Today · 4.125%
HK$71,770
baseline
▲ 0.50% · 4.625%
HK$76,137
+HK$4,367/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,540/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,132
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,147
−HK$2,044/mo
Today · 4.125%
HK$79,191
baseline
▲ 0.50% · 4.625%
HK$83,366
+HK$4,175/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,382/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,028 · Scale 2, in force from 26 Feb 2026)