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$37,444
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,609
−HK$1,183/mo
Today · 4.125%
HK$39,792
baseline
▲ 0.50% · 4.625%
HK$42,213
+HK$2,421/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,584/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,656
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,773
−HK$1,133/mo
Today · 4.125%
HK$43,906
baseline
▲ 0.50% · 4.625%
HK$46,221
+HK$2,315/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,812/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,933
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,330
−HK$1,420/mo
Today · 4.125%
HK$47,750
baseline
▲ 0.50% · 4.625%
HK$50,656
+HK$2,906/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,500/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,987
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,328
−HK$1,360/mo
Today · 4.125%
HK$52,688
baseline
▲ 0.50% · 4.625%
HK$55,465
+HK$2,777/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,376/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,421
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,052
−HK$1,657/mo
Today · 4.125%
HK$55,709
baseline
▲ 0.50% · 4.625%
HK$59,098
+HK$3,389/mo
Deposit HK$4.93M · loan HK$11.49M · min. income ≈ HK$111,418/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,318
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,882
−HK$1,587/mo
Today · 4.125%
HK$61,469
baseline
▲ 0.50% · 4.625%
HK$64,709
+HK$3,240/mo
Deposit HK$4.93M · loan HK$11.49M · min. income ≈ HK$122,938/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,399
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,495
−HK$2,130/mo
Today · 4.125%
HK$71,625
baseline
▲ 0.50% · 4.625%
HK$75,984
+HK$4,359/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$143,250/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,981
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,992
−HK$2,040/mo
Today · 4.125%
HK$79,032
baseline
▲ 0.50% · 4.625%
HK$83,197
+HK$4,165/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$158,064/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,784 · Scale 2, in force from 26 Feb 2026)