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$37,396
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,559
−HK$1,182/mo
Today · 4.125%
HK$39,741
baseline
▲ 0.50% · 4.625%
HK$42,159
+HK$2,418/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,482/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,602
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,718
−HK$1,132/mo
Today · 4.125%
HK$43,850
baseline
▲ 0.50% · 4.625%
HK$46,161
+HK$2,311/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,700/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,875
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,271
−HK$1,418/mo
Today · 4.125%
HK$47,689
baseline
▲ 0.50% · 4.625%
HK$50,591
+HK$2,902/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,378/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,923
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,262
−HK$1,358/mo
Today · 4.125%
HK$52,620
baseline
▲ 0.50% · 4.625%
HK$55,394
+HK$2,774/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,240/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,354
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,982
−HK$1,655/mo
Today · 4.125%
HK$55,637
baseline
▲ 0.50% · 4.625%
HK$59,022
+HK$3,385/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$111,274/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,243
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,805
−HK$1,585/mo
Today · 4.125%
HK$61,390
baseline
▲ 0.50% · 4.625%
HK$64,626
+HK$3,236/mo
Deposit HK$4.92M · loan HK$11.48M · min. income ≈ HK$122,780/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,312
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,406
−HK$2,127/mo
Today · 4.125%
HK$71,533
baseline
▲ 0.50% · 4.625%
HK$75,886
+HK$4,353/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$143,066/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,884
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,892
−HK$2,038/mo
Today · 4.125%
HK$78,930
baseline
▲ 0.50% · 4.625%
HK$83,090
+HK$4,160/mo
Deposit HK$1.64M · loan HK$14.76M · min. income ≈ HK$157,860/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,992 · Scale 2, in force from 26 Feb 2026)