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$37,467
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,633
−HK$1,184/mo
Today · 4.125%
HK$39,817
baseline
▲ 0.50% · 4.625%
HK$42,240
+HK$2,423/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,634/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,682
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,800
−HK$1,134/mo
Today · 4.125%
HK$43,934
baseline
▲ 0.50% · 4.625%
HK$46,250
+HK$2,316/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,868/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,961
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,359
−HK$1,421/mo
Today · 4.125%
HK$47,780
baseline
▲ 0.50% · 4.625%
HK$50,688
+HK$2,908/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,560/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,018
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,360
−HK$1,361/mo
Today · 4.125%
HK$52,721
baseline
▲ 0.50% · 4.625%
HK$55,500
+HK$2,779/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,442/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,454
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,086
−HK$1,658/mo
Today · 4.125%
HK$55,744
baseline
▲ 0.50% · 4.625%
HK$59,136
+HK$3,392/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,488/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,355
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,920
−HK$1,588/mo
Today · 4.125%
HK$61,508
baseline
▲ 0.50% · 4.625%
HK$64,750
+HK$3,242/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$123,016/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,441
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,539
−HK$2,131/mo
Today · 4.125%
HK$71,670
baseline
▲ 0.50% · 4.625%
HK$76,031
+HK$4,361/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,340/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,028
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,040
−HK$2,041/mo
Today · 4.125%
HK$79,081
baseline
▲ 0.50% · 4.625%
HK$83,250
+HK$4,169/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,162/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,171 · Scale 2, in force from 26 Feb 2026)