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$37,510
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,677
−HK$1,185/mo
Today · 4.125%
HK$39,862
baseline
▲ 0.50% · 4.625%
HK$42,288
+HK$2,426/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,724/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,729
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,849
−HK$1,135/mo
Today · 4.125%
HK$43,984
baseline
▲ 0.50% · 4.625%
HK$46,302
+HK$2,318/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,968/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,012
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,412
−HK$1,423/mo
Today · 4.125%
HK$47,835
baseline
▲ 0.50% · 4.625%
HK$50,745
+HK$2,910/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,670/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,075
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,418
−HK$1,363/mo
Today · 4.125%
HK$52,781
baseline
▲ 0.50% · 4.625%
HK$55,563
+HK$2,782/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,562/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,514
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,147
−HK$1,660/mo
Today · 4.125%
HK$55,807
baseline
▲ 0.50% · 4.625%
HK$59,203
+HK$3,396/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,614/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,421
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,988
−HK$1,590/mo
Today · 4.125%
HK$61,578
baseline
▲ 0.50% · 4.625%
HK$64,823
+HK$3,245/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,156/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,518
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,618
−HK$2,134/mo
Today · 4.125%
HK$71,752
baseline
▲ 0.50% · 4.625%
HK$76,118
+HK$4,366/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,504/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,113
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,128
−HK$2,043/mo
Today · 4.125%
HK$79,171
baseline
▲ 0.50% · 4.625%
HK$83,344
+HK$4,173/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,342/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,871 · Scale 2, in force from 26 Feb 2026)