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$37,427
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,591
−HK$1,183/mo
Today · 4.125%
HK$39,774
baseline
▲ 0.50% · 4.625%
HK$42,194
+HK$2,420/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,548/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,637
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,754
−HK$1,133/mo
Today · 4.125%
HK$43,887
baseline
▲ 0.50% · 4.625%
HK$46,200
+HK$2,313/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,774/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,913
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,310
−HK$1,419/mo
Today · 4.125%
HK$47,729
baseline
▲ 0.50% · 4.625%
HK$50,633
+HK$2,904/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,458/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,965
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,305
−HK$1,359/mo
Today · 4.125%
HK$52,664
baseline
▲ 0.50% · 4.625%
HK$55,440
+HK$2,776/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,328/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,398
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,028
−HK$1,656/mo
Today · 4.125%
HK$55,684
baseline
▲ 0.50% · 4.625%
HK$59,072
+HK$3,388/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,368/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,292
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,856
−HK$1,586/mo
Today · 4.125%
HK$61,442
baseline
▲ 0.50% · 4.625%
HK$64,680
+HK$3,238/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,884/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,369
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,464
−HK$2,129/mo
Today · 4.125%
HK$71,593
baseline
▲ 0.50% · 4.625%
HK$75,950
+HK$4,357/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,186/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,947
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,957
−HK$2,039/mo
Today · 4.125%
HK$78,996
baseline
▲ 0.50% · 4.625%
HK$83,160
+HK$4,164/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,992/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,509 · Scale 2, in force from 26 Feb 2026)