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$37,519
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,686
−HK$1,185/mo
Today · 4.125%
HK$39,871
baseline
▲ 0.50% · 4.625%
HK$42,297
+HK$2,426/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,742/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$617,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,739
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,859
−HK$1,135/mo
Today · 4.125%
HK$43,994
baseline
▲ 0.50% · 4.625%
HK$46,313
+HK$2,319/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$87,988/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$617,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,022
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,423
−HK$1,423/mo
Today · 4.125%
HK$47,846
baseline
▲ 0.50% · 4.625%
HK$50,757
+HK$2,911/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,692/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,087
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,430
−HK$1,363/mo
Today · 4.125%
HK$52,793
baseline
▲ 0.50% · 4.625%
HK$55,576
+HK$2,783/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,586/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,526
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,160
−HK$1,660/mo
Today · 4.125%
HK$55,820
baseline
▲ 0.50% · 4.625%
HK$59,216
+HK$3,396/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,640/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,435
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$60,002
−HK$1,590/mo
Today · 4.125%
HK$61,592
baseline
▲ 0.50% · 4.625%
HK$64,838
+HK$3,246/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,184/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,534
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,634
−HK$2,135/mo
Today · 4.125%
HK$71,769
baseline
▲ 0.50% · 4.625%
HK$76,135
+HK$4,366/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,538/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,130
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,145
−HK$2,045/mo
Today · 4.125%
HK$79,190
baseline
▲ 0.50% · 4.625%
HK$83,364
+HK$4,174/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,380/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,014 · Scale 2, in force from 26 Feb 2026)