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$37,488
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,654
−HK$1,184/mo
Today · 4.125%
HK$39,838
baseline
▲ 0.50% · 4.625%
HK$42,262
+HK$2,424/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,676/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,705
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,823
−HK$1,135/mo
Today · 4.125%
HK$43,958
baseline
▲ 0.50% · 4.625%
HK$46,275
+HK$2,317/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,916/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,985
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,384
−HK$1,422/mo
Today · 4.125%
HK$47,806
baseline
▲ 0.50% · 4.625%
HK$50,715
+HK$2,909/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$95,612/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,045
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,388
−HK$1,361/mo
Today · 4.125%
HK$52,749
baseline
▲ 0.50% · 4.625%
HK$55,530
+HK$2,781/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$105,498/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,483
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,115
−HK$1,659/mo
Today · 4.125%
HK$55,774
baseline
▲ 0.50% · 4.625%
HK$59,167
+HK$3,393/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,548/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,386
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,952
−HK$1,589/mo
Today · 4.125%
HK$61,541
baseline
▲ 0.50% · 4.625%
HK$64,785
+HK$3,244/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,082/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,478
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,577
−HK$2,132/mo
Today · 4.125%
HK$71,709
baseline
▲ 0.50% · 4.625%
HK$76,072
+HK$4,363/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,418/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,068
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,081
−HK$2,043/mo
Today · 4.125%
HK$79,124
baseline
▲ 0.50% · 4.625%
HK$83,295
+HK$4,171/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,248/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,503 · Scale 2, in force from 26 Feb 2026)