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$37,418
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,582
−HK$1,182/mo
Today · 4.125%
HK$39,764
baseline
▲ 0.50% · 4.625%
HK$42,184
+HK$2,420/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,528/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,627
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,743
−HK$1,133/mo
Today · 4.125%
HK$43,876
baseline
▲ 0.50% · 4.625%
HK$46,189
+HK$2,313/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,752/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,901
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,298
−HK$1,419/mo
Today · 4.125%
HK$47,717
baseline
▲ 0.50% · 4.625%
HK$50,621
+HK$2,904/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$95,434/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,952
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,292
−HK$1,359/mo
Today · 4.125%
HK$52,651
baseline
▲ 0.50% · 4.625%
HK$55,426
+HK$2,775/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$105,302/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,385
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,014
−HK$1,656/mo
Today · 4.125%
HK$55,670
baseline
▲ 0.50% · 4.625%
HK$59,057
+HK$3,387/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,340/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,278
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,841
−HK$1,585/mo
Today · 4.125%
HK$61,426
baseline
▲ 0.50% · 4.625%
HK$64,664
+HK$3,238/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,852/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,352
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,447
−HK$2,129/mo
Today · 4.125%
HK$71,576
baseline
▲ 0.50% · 4.625%
HK$75,931
+HK$4,355/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,152/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,929
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,938
−HK$2,039/mo
Today · 4.125%
HK$78,977
baseline
▲ 0.50% · 4.625%
HK$83,140
+HK$4,163/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,954/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,356 · Scale 2, in force from 26 Feb 2026)