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$37,485
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,651
−HK$1,185/mo
Today · 4.125%
HK$39,836
baseline
▲ 0.50% · 4.625%
HK$42,260
+HK$2,424/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,672/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,702
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,820
−HK$1,135/mo
Today · 4.125%
HK$43,955
baseline
▲ 0.50% · 4.625%
HK$46,272
+HK$2,317/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,910/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,982
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,381
−HK$1,422/mo
Today · 4.125%
HK$47,803
baseline
▲ 0.50% · 4.625%
HK$50,712
+HK$2,909/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$95,606/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,042
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,384
−HK$1,362/mo
Today · 4.125%
HK$52,746
baseline
▲ 0.50% · 4.625%
HK$55,526
+HK$2,780/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$105,492/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,479
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,112
−HK$1,658/mo
Today · 4.125%
HK$55,770
baseline
▲ 0.50% · 4.625%
HK$59,164
+HK$3,394/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,540/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,383
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,948
−HK$1,589/mo
Today · 4.125%
HK$61,537
baseline
▲ 0.50% · 4.625%
HK$64,781
+HK$3,244/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,074/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,473
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,572
−HK$2,132/mo
Today · 4.125%
HK$71,704
baseline
▲ 0.50% · 4.625%
HK$76,068
+HK$4,364/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,408/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,063
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,077
−HK$2,042/mo
Today · 4.125%
HK$79,119
baseline
▲ 0.50% · 4.625%
HK$83,289
+HK$4,170/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,238/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,464 · Scale 2, in force from 26 Feb 2026)