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$37,526
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,693
−HK$1,186/mo
Today · 4.125%
HK$39,879
baseline
▲ 0.50% · 4.625%
HK$42,306
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,758/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,747
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,867
−HK$1,136/mo
Today · 4.125%
HK$44,003
baseline
▲ 0.50% · 4.625%
HK$46,322
+HK$2,319/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,006/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,031
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,432
−HK$1,423/mo
Today · 4.125%
HK$47,855
baseline
▲ 0.50% · 4.625%
HK$50,767
+HK$2,912/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,710/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,097
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,441
−HK$1,363/mo
Today · 4.125%
HK$52,804
baseline
▲ 0.50% · 4.625%
HK$55,587
+HK$2,783/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,608/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,537
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,171
−HK$1,660/mo
Today · 4.125%
HK$55,831
baseline
▲ 0.50% · 4.625%
HK$59,228
+HK$3,397/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,662/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,446
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,014
−HK$1,590/mo
Today · 4.125%
HK$61,604
baseline
▲ 0.50% · 4.625%
HK$64,851
+HK$3,247/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,208/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,547
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,648
−HK$2,135/mo
Today · 4.125%
HK$71,783
baseline
▲ 0.50% · 4.625%
HK$76,151
+HK$4,368/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,566/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,145
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,161
−HK$2,044/mo
Today · 4.125%
HK$79,205
baseline
▲ 0.50% · 4.625%
HK$83,380
+HK$4,175/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,410/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,137 · Scale 2, in force from 26 Feb 2026)