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$37,419
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,583
−HK$1,183/mo
Today · 4.125%
HK$39,766
baseline
▲ 0.50% · 4.625%
HK$42,185
+HK$2,419/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,532/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,628
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,745
−HK$1,132/mo
Today · 4.125%
HK$43,877
baseline
▲ 0.50% · 4.625%
HK$46,190
+HK$2,313/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,754/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,903
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,300
−HK$1,419/mo
Today · 4.125%
HK$47,719
baseline
▲ 0.50% · 4.625%
HK$50,622
+HK$2,903/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$95,438/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,954
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,294
−HK$1,359/mo
Today · 4.125%
HK$52,653
baseline
▲ 0.50% · 4.625%
HK$55,428
+HK$2,775/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$105,306/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,387
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,016
−HK$1,656/mo
Today · 4.125%
HK$55,672
baseline
▲ 0.50% · 4.625%
HK$59,059
+HK$3,387/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,344/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,280
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,843
−HK$1,585/mo
Today · 4.125%
HK$61,428
baseline
▲ 0.50% · 4.625%
HK$64,666
+HK$3,238/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,856/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,354
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,449
−HK$2,129/mo
Today · 4.125%
HK$71,578
baseline
▲ 0.50% · 4.625%
HK$75,933
+HK$4,355/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,156/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,931
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,941
−HK$2,038/mo
Today · 4.125%
HK$78,979
baseline
▲ 0.50% · 4.625%
HK$83,142
+HK$4,163/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,958/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,376 · Scale 2, in force from 26 Feb 2026)