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$37,380
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,543
−HK$1,181/mo
Today · 4.125%
HK$39,724
baseline
▲ 0.50% · 4.625%
HK$42,141
+HK$2,417/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,448/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,585
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,700
−HK$1,131/mo
Today · 4.125%
HK$43,831
baseline
▲ 0.50% · 4.625%
HK$46,142
+HK$2,311/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,662/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,856
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,251
−HK$1,418/mo
Today · 4.125%
HK$47,669
baseline
▲ 0.50% · 4.625%
HK$50,569
+HK$2,900/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,338/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,902
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,240
−HK$1,358/mo
Today · 4.125%
HK$52,598
baseline
▲ 0.50% · 4.625%
HK$55,370
+HK$2,772/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,196/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,332
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,960
−HK$1,654/mo
Today · 4.125%
HK$55,614
baseline
▲ 0.50% · 4.625%
HK$58,997
+HK$3,383/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$111,228/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,219
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,780
−HK$1,584/mo
Today · 4.125%
HK$61,364
baseline
▲ 0.50% · 4.625%
HK$64,599
+HK$3,235/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$122,728/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,284
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,377
−HK$2,126/mo
Today · 4.125%
HK$71,503
baseline
▲ 0.50% · 4.625%
HK$75,854
+HK$4,351/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$143,006/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,853
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,860
−HK$2,037/mo
Today · 4.125%
HK$78,897
baseline
▲ 0.50% · 4.625%
HK$83,055
+HK$4,158/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,794/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,732 · Scale 2, in force from 26 Feb 2026)