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$37,504
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,671
−HK$1,185/mo
Today · 4.125%
HK$39,856
baseline
▲ 0.50% · 4.625%
HK$42,281
+HK$2,425/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,712/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,723
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,842
−HK$1,135/mo
Today · 4.125%
HK$43,977
baseline
▲ 0.50% · 4.625%
HK$46,295
+HK$2,318/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,954/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,005
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,405
−HK$1,422/mo
Today · 4.125%
HK$47,827
baseline
▲ 0.50% · 4.625%
HK$50,737
+HK$2,910/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,654/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,067
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,410
−HK$1,362/mo
Today · 4.125%
HK$52,772
baseline
▲ 0.50% · 4.625%
HK$55,554
+HK$2,782/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,544/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,506
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,139
−HK$1,659/mo
Today · 4.125%
HK$55,798
baseline
▲ 0.50% · 4.625%
HK$59,193
+HK$3,395/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,596/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,412
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,979
−HK$1,589/mo
Today · 4.125%
HK$61,568
baseline
▲ 0.50% · 4.625%
HK$64,813
+HK$3,245/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,136/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,507
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,607
−HK$2,133/mo
Today · 4.125%
HK$71,740
baseline
▲ 0.50% · 4.625%
HK$76,106
+HK$4,366/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,480/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,101
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,115
−HK$2,044/mo
Today · 4.125%
HK$79,159
baseline
▲ 0.50% · 4.625%
HK$83,331
+HK$4,172/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,318/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,773 · Scale 2, in force from 26 Feb 2026)