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$37,409
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,573
−HK$1,182/mo
Today · 4.125%
HK$39,755
baseline
▲ 0.50% · 4.625%
HK$42,174
+HK$2,419/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,510/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,617
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,733
−HK$1,132/mo
Today · 4.125%
HK$43,865
baseline
▲ 0.50% · 4.625%
HK$46,178
+HK$2,313/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,730/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,891
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,287
−HK$1,419/mo
Today · 4.125%
HK$47,706
baseline
▲ 0.50% · 4.625%
HK$50,608
+HK$2,902/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,412/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,940
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,280
−HK$1,359/mo
Today · 4.125%
HK$52,639
baseline
▲ 0.50% · 4.625%
HK$55,413
+HK$2,774/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,278/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,372
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,002
−HK$1,655/mo
Today · 4.125%
HK$55,657
baseline
▲ 0.50% · 4.625%
HK$59,043
+HK$3,386/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,314/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,264
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,826
−HK$1,586/mo
Today · 4.125%
HK$61,412
baseline
▲ 0.50% · 4.625%
HK$64,649
+HK$3,237/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,824/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,336
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,431
−HK$2,128/mo
Today · 4.125%
HK$71,559
baseline
▲ 0.50% · 4.625%
HK$75,913
+HK$4,354/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,118/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,911
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,920
−HK$2,038/mo
Today · 4.125%
HK$78,958
baseline
▲ 0.50% · 4.625%
HK$83,120
+HK$4,162/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,916/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,209 · Scale 2, in force from 26 Feb 2026)