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$37,492
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,658
−HK$1,185/mo
Today · 4.125%
HK$39,843
baseline
▲ 0.50% · 4.625%
HK$42,267
+HK$2,424/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,686/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,709
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,828
−HK$1,135/mo
Today · 4.125%
HK$43,963
baseline
▲ 0.50% · 4.625%
HK$46,280
+HK$2,317/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,926/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,990
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,389
−HK$1,422/mo
Today · 4.125%
HK$47,811
baseline
▲ 0.50% · 4.625%
HK$50,720
+HK$2,909/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,622/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,051
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,393
−HK$1,362/mo
Today · 4.125%
HK$52,755
baseline
▲ 0.50% · 4.625%
HK$55,536
+HK$2,781/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,510/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,488
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,121
−HK$1,659/mo
Today · 4.125%
HK$55,780
baseline
▲ 0.50% · 4.625%
HK$59,174
+HK$3,394/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,560/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,393
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,959
−HK$1,589/mo
Today · 4.125%
HK$61,548
baseline
▲ 0.50% · 4.625%
HK$64,792
+HK$3,244/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,096/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,485
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,584
−HK$2,133/mo
Today · 4.125%
HK$71,717
baseline
▲ 0.50% · 4.625%
HK$76,081
+HK$4,364/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,434/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,076
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,090
−HK$2,043/mo
Today · 4.125%
HK$79,133
baseline
▲ 0.50% · 4.625%
HK$83,304
+HK$4,171/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,266/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,570 · Scale 2, in force from 26 Feb 2026)