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$37,470
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,635
−HK$1,184/mo
Today · 4.125%
HK$39,819
baseline
▲ 0.50% · 4.625%
HK$42,242
+HK$2,423/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,638/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,685
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,803
−HK$1,134/mo
Today · 4.125%
HK$43,937
baseline
▲ 0.50% · 4.625%
HK$46,253
+HK$2,316/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,874/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,964
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,362
−HK$1,421/mo
Today · 4.125%
HK$47,783
baseline
▲ 0.50% · 4.625%
HK$50,691
+HK$2,908/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,566/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,021
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,363
−HK$1,361/mo
Today · 4.125%
HK$52,724
baseline
▲ 0.50% · 4.625%
HK$55,503
+HK$2,779/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,448/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,457
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,089
−HK$1,658/mo
Today · 4.125%
HK$55,747
baseline
▲ 0.50% · 4.625%
HK$59,139
+HK$3,392/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,494/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,358
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,924
−HK$1,587/mo
Today · 4.125%
HK$61,511
baseline
▲ 0.50% · 4.625%
HK$64,754
+HK$3,243/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$123,022/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,445
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,543
−HK$2,132/mo
Today · 4.125%
HK$71,675
baseline
▲ 0.50% · 4.625%
HK$76,036
+HK$4,361/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,350/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,032
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,045
−HK$2,041/mo
Today · 4.125%
HK$79,086
baseline
▲ 0.50% · 4.625%
HK$83,255
+HK$4,169/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,172/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,208 · Scale 2, in force from 26 Feb 2026)