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$37,511
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,677
−HK$1,186/mo
Today · 4.125%
HK$39,863
baseline
▲ 0.50% · 4.625%
HK$42,288
+HK$2,425/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,726/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,730
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,849
−HK$1,136/mo
Today · 4.125%
HK$43,985
baseline
▲ 0.50% · 4.625%
HK$46,303
+HK$2,318/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$87,970/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,013
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,413
−HK$1,422/mo
Today · 4.125%
HK$47,835
baseline
▲ 0.50% · 4.625%
HK$50,746
+HK$2,911/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,670/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,076
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,419
−HK$1,363/mo
Today · 4.125%
HK$52,782
baseline
▲ 0.50% · 4.625%
HK$55,564
+HK$2,782/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,564/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,515
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,148
−HK$1,660/mo
Today · 4.125%
HK$55,808
baseline
▲ 0.50% · 4.625%
HK$59,204
+HK$3,396/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,616/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,422
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,989
−HK$1,590/mo
Today · 4.125%
HK$61,579
baseline
▲ 0.50% · 4.625%
HK$64,825
+HK$3,246/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,158/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,519
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,619
−HK$2,134/mo
Today · 4.125%
HK$71,753
baseline
▲ 0.50% · 4.625%
HK$76,119
+HK$4,366/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,506/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,114
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,129
−HK$2,044/mo
Today · 4.125%
HK$79,173
baseline
▲ 0.50% · 4.625%
HK$83,346
+HK$4,173/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,346/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,883 · Scale 2, in force from 26 Feb 2026)