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$37,413
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,576
−HK$1,183/mo
Today · 4.125%
HK$39,759
baseline
▲ 0.50% · 4.625%
HK$42,178
+HK$2,419/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,518/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,621
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,737
−HK$1,133/mo
Today · 4.125%
HK$43,870
baseline
▲ 0.50% · 4.625%
HK$46,182
+HK$2,312/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,740/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,895
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,292
−HK$1,418/mo
Today · 4.125%
HK$47,710
baseline
▲ 0.50% · 4.625%
HK$50,613
+HK$2,903/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,420/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,945
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,285
−HK$1,359/mo
Today · 4.125%
HK$52,644
baseline
▲ 0.50% · 4.625%
HK$55,419
+HK$2,775/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,288/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,378
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$54,007
−HK$1,655/mo
Today · 4.125%
HK$55,662
baseline
▲ 0.50% · 4.625%
HK$59,049
+HK$3,387/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,324/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,270
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,832
−HK$1,586/mo
Today · 4.125%
HK$61,418
baseline
▲ 0.50% · 4.625%
HK$64,655
+HK$3,237/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,836/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,343
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,437
−HK$2,129/mo
Today · 4.125%
HK$71,566
baseline
▲ 0.50% · 4.625%
HK$75,920
+HK$4,354/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,132/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,918
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,927
−HK$2,039/mo
Today · 4.125%
HK$78,966
baseline
▲ 0.50% · 4.625%
HK$83,128
+HK$4,162/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,932/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,270 · Scale 2, in force from 26 Feb 2026)