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$37,487
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,653
−HK$1,185/mo
Today · 4.125%
HK$39,838
baseline
▲ 0.50% · 4.625%
HK$42,262
+HK$2,424/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,676/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,704
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,822
−HK$1,135/mo
Today · 4.125%
HK$43,957
baseline
▲ 0.50% · 4.625%
HK$46,274
+HK$2,317/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,914/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,984
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,384
−HK$1,421/mo
Today · 4.125%
HK$47,805
baseline
▲ 0.50% · 4.625%
HK$50,714
+HK$2,909/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$95,610/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,045
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,387
−HK$1,361/mo
Today · 4.125%
HK$52,748
baseline
▲ 0.50% · 4.625%
HK$55,529
+HK$2,781/mo
Deposit HK$6.58M · loan HK$9.86M · min. income ≈ HK$105,496/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,482
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,114
−HK$1,659/mo
Today · 4.125%
HK$55,773
baseline
▲ 0.50% · 4.625%
HK$59,166
+HK$3,393/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,546/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,385
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,951
−HK$1,589/mo
Today · 4.125%
HK$61,540
baseline
▲ 0.50% · 4.625%
HK$64,784
+HK$3,244/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,080/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,477
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,575
−HK$2,133/mo
Today · 4.125%
HK$71,708
baseline
▲ 0.50% · 4.625%
HK$76,071
+HK$4,363/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,416/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,067
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,080
−HK$2,043/mo
Today · 4.125%
HK$79,123
baseline
▲ 0.50% · 4.625%
HK$83,293
+HK$4,170/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,246/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,493 · Scale 2, in force from 26 Feb 2026)