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$37,408
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,572
−HK$1,182/mo
Today · 4.125%
HK$39,754
baseline
▲ 0.50% · 4.625%
HK$42,173
+HK$2,419/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,508/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,616
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,732
−HK$1,133/mo
Today · 4.125%
HK$43,865
baseline
▲ 0.50% · 4.625%
HK$46,177
+HK$2,312/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,730/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,890
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,286
−HK$1,419/mo
Today · 4.125%
HK$47,705
baseline
▲ 0.50% · 4.625%
HK$50,607
+HK$2,902/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,410/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,939
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,279
−HK$1,358/mo
Today · 4.125%
HK$52,637
baseline
▲ 0.50% · 4.625%
HK$55,412
+HK$2,775/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,274/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,371
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$54,000
−HK$1,655/mo
Today · 4.125%
HK$55,655
baseline
▲ 0.50% · 4.625%
HK$59,042
+HK$3,387/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,310/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,263
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,825
−HK$1,585/mo
Today · 4.125%
HK$61,410
baseline
▲ 0.50% · 4.625%
HK$64,647
+HK$3,237/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,820/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,335
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,429
−HK$2,128/mo
Today · 4.125%
HK$71,557
baseline
▲ 0.50% · 4.625%
HK$75,911
+HK$4,354/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$143,114/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,909
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,918
−HK$2,038/mo
Today · 4.125%
HK$78,956
baseline
▲ 0.50% · 4.625%
HK$83,118
+HK$4,162/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$157,912/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,196 · Scale 2, in force from 26 Feb 2026)