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$37,517
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,684
−HK$1,185/mo
Today · 4.125%
HK$39,869
baseline
▲ 0.50% · 4.625%
HK$42,295
+HK$2,426/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,738/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,737
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,856
−HK$1,136/mo
Today · 4.125%
HK$43,992
baseline
▲ 0.50% · 4.625%
HK$46,311
+HK$2,319/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$87,984/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,020
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,420
−HK$1,423/mo
Today · 4.125%
HK$47,843
baseline
▲ 0.50% · 4.625%
HK$50,754
+HK$2,911/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,686/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,084
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,427
−HK$1,363/mo
Today · 4.125%
HK$52,790
baseline
▲ 0.50% · 4.625%
HK$55,573
+HK$2,783/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,580/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,523
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,157
−HK$1,660/mo
Today · 4.125%
HK$55,817
baseline
▲ 0.50% · 4.625%
HK$59,213
+HK$3,396/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,634/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,432
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,999
−HK$1,589/mo
Today · 4.125%
HK$61,588
baseline
▲ 0.50% · 4.625%
HK$64,835
+HK$3,247/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,176/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,530
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,630
−HK$2,135/mo
Today · 4.125%
HK$71,765
baseline
▲ 0.50% · 4.625%
HK$76,131
+HK$4,366/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,530/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,126
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,141
−HK$2,044/mo
Today · 4.125%
HK$79,185
baseline
▲ 0.50% · 4.625%
HK$83,359
+HK$4,174/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,370/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,980 · Scale 2, in force from 26 Feb 2026)