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$37,503
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,670
−HK$1,185/mo
Today · 4.125%
HK$39,855
baseline
▲ 0.50% · 4.625%
HK$42,280
+HK$2,425/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,710/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,722
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,841
−HK$1,135/mo
Today · 4.125%
HK$43,976
baseline
▲ 0.50% · 4.625%
HK$46,294
+HK$2,318/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,952/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,004
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,404
−HK$1,422/mo
Today · 4.125%
HK$47,826
baseline
▲ 0.50% · 4.625%
HK$50,736
+HK$2,910/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,652/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,066
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,409
−HK$1,362/mo
Today · 4.125%
HK$52,771
baseline
▲ 0.50% · 4.625%
HK$55,553
+HK$2,782/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,542/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,505
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,138
−HK$1,659/mo
Today · 4.125%
HK$55,797
baseline
▲ 0.50% · 4.625%
HK$59,192
+HK$3,395/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,594/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,411
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,977
−HK$1,590/mo
Today · 4.125%
HK$61,567
baseline
▲ 0.50% · 4.625%
HK$64,812
+HK$3,245/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,134/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,506
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,606
−HK$2,133/mo
Today · 4.125%
HK$71,739
baseline
▲ 0.50% · 4.625%
HK$76,104
+HK$4,365/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,478/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,100
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,114
−HK$2,043/mo
Today · 4.125%
HK$79,157
baseline
▲ 0.50% · 4.625%
HK$83,330
+HK$4,173/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,314/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,762 · Scale 2, in force from 26 Feb 2026)