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$37,498
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,665
−HK$1,185/mo
Today · 4.125%
HK$39,850
baseline
▲ 0.50% · 4.625%
HK$42,274
+HK$2,424/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,700/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,716
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,835
−HK$1,135/mo
Today · 4.125%
HK$43,970
baseline
▲ 0.50% · 4.625%
HK$46,288
+HK$2,318/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,940/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,998
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,397
−HK$1,423/mo
Today · 4.125%
HK$47,820
baseline
▲ 0.50% · 4.625%
HK$50,729
+HK$2,909/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,640/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,060
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,402
−HK$1,362/mo
Today · 4.125%
HK$52,764
baseline
▲ 0.50% · 4.625%
HK$55,545
+HK$2,781/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,528/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,497
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,130
−HK$1,659/mo
Today · 4.125%
HK$55,789
baseline
▲ 0.50% · 4.625%
HK$59,184
+HK$3,395/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,578/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,403
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,969
−HK$1,589/mo
Today · 4.125%
HK$61,558
baseline
▲ 0.50% · 4.625%
HK$64,803
+HK$3,245/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,116/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,497
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,596
−HK$2,133/mo
Today · 4.125%
HK$71,729
baseline
▲ 0.50% · 4.625%
HK$76,094
+HK$4,365/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,458/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,089
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,103
−HK$2,043/mo
Today · 4.125%
HK$79,146
baseline
▲ 0.50% · 4.625%
HK$83,318
+HK$4,172/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,292/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,677 · Scale 2, in force from 26 Feb 2026)