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$37,414
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,578
−HK$1,183/mo
Today · 4.125%
HK$39,761
baseline
▲ 0.50% · 4.625%
HK$42,180
+HK$2,419/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,522/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,623
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,739
−HK$1,133/mo
Today · 4.125%
HK$43,872
baseline
▲ 0.50% · 4.625%
HK$46,184
+HK$2,312/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,744/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,897
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,294
−HK$1,419/mo
Today · 4.125%
HK$47,713
baseline
▲ 0.50% · 4.625%
HK$50,616
+HK$2,903/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,426/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,948
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,287
−HK$1,359/mo
Today · 4.125%
HK$52,646
baseline
▲ 0.50% · 4.625%
HK$55,421
+HK$2,775/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,292/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,380
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,009
−HK$1,656/mo
Today · 4.125%
HK$55,665
baseline
▲ 0.50% · 4.625%
HK$59,052
+HK$3,387/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,330/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,272
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,835
−HK$1,586/mo
Today · 4.125%
HK$61,421
baseline
▲ 0.50% · 4.625%
HK$64,658
+HK$3,237/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,842/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,346
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,441
−HK$2,128/mo
Today · 4.125%
HK$71,569
baseline
▲ 0.50% · 4.625%
HK$75,924
+HK$4,355/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,138/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,922
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,931
−HK$2,038/mo
Today · 4.125%
HK$78,969
baseline
▲ 0.50% · 4.625%
HK$83,132
+HK$4,163/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,938/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,299 · Scale 2, in force from 26 Feb 2026)