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$37,460
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,625
−HK$1,184/mo
Today · 4.125%
HK$39,809
baseline
▲ 0.50% · 4.625%
HK$42,231
+HK$2,422/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,618/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,673
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,791
−HK$1,134/mo
Today · 4.125%
HK$43,925
baseline
▲ 0.50% · 4.625%
HK$46,240
+HK$2,315/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,850/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,952
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,350
−HK$1,420/mo
Today · 4.125%
HK$47,770
baseline
▲ 0.50% · 4.625%
HK$50,677
+HK$2,907/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,540/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,008
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,349
−HK$1,361/mo
Today · 4.125%
HK$52,710
baseline
▲ 0.50% · 4.625%
HK$55,488
+HK$2,778/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,420/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,443
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,075
−HK$1,657/mo
Today · 4.125%
HK$55,732
baseline
▲ 0.50% · 4.625%
HK$59,123
+HK$3,391/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,464/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$616,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,343
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,908
−HK$1,587/mo
Today · 4.125%
HK$61,495
baseline
▲ 0.50% · 4.625%
HK$64,736
+HK$3,241/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$122,990/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$616,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,427
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,525
−HK$2,131/mo
Today · 4.125%
HK$71,656
baseline
▲ 0.50% · 4.625%
HK$76,016
+HK$4,360/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,312/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,012
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,024
−HK$2,041/mo
Today · 4.125%
HK$79,065
baseline
▲ 0.50% · 4.625%
HK$83,232
+HK$4,167/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,130/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,043 · Scale 2, in force from 26 Feb 2026)