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$37,476
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,642
−HK$1,185/mo
Today · 4.125%
HK$39,827
baseline
▲ 0.50% · 4.625%
HK$42,250
+HK$2,423/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,654/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,692
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,810
−HK$1,135/mo
Today · 4.125%
HK$43,945
baseline
▲ 0.50% · 4.625%
HK$46,261
+HK$2,316/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,890/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,972
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,371
−HK$1,421/mo
Today · 4.125%
HK$47,792
baseline
▲ 0.50% · 4.625%
HK$50,700
+HK$2,908/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,584/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,031
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,372
−HK$1,362/mo
Today · 4.125%
HK$52,734
baseline
▲ 0.50% · 4.625%
HK$55,513
+HK$2,779/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,468/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,467
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,099
−HK$1,658/mo
Today · 4.125%
HK$55,757
baseline
▲ 0.50% · 4.625%
HK$59,150
+HK$3,393/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,514/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,369
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,935
−HK$1,588/mo
Today · 4.125%
HK$61,523
baseline
▲ 0.50% · 4.625%
HK$64,766
+HK$3,243/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$123,046/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,458
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,556
−HK$2,132/mo
Today · 4.125%
HK$71,688
baseline
▲ 0.50% · 4.625%
HK$76,050
+HK$4,362/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,376/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,046
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,059
−HK$2,041/mo
Today · 4.125%
HK$79,100
baseline
▲ 0.50% · 4.625%
HK$83,270
+HK$4,170/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,200/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,321 · Scale 2, in force from 26 Feb 2026)