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$37,434
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,598
−HK$1,183/mo
Today · 4.125%
HK$39,781
baseline
▲ 0.50% · 4.625%
HK$42,202
+HK$2,421/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,562/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,645
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,762
−HK$1,133/mo
Today · 4.125%
HK$43,895
baseline
▲ 0.50% · 4.625%
HK$46,208
+HK$2,313/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,790/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,921
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,318
−HK$1,419/mo
Today · 4.125%
HK$47,737
baseline
▲ 0.50% · 4.625%
HK$50,642
+HK$2,905/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,474/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,974
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,314
−HK$1,360/mo
Today · 4.125%
HK$52,674
baseline
▲ 0.50% · 4.625%
HK$55,450
+HK$2,776/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,348/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,407
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,037
−HK$1,657/mo
Today · 4.125%
HK$55,694
baseline
▲ 0.50% · 4.625%
HK$59,083
+HK$3,389/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,388/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,303
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,866
−HK$1,587/mo
Today · 4.125%
HK$61,453
baseline
▲ 0.50% · 4.625%
HK$64,692
+HK$3,239/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,906/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,381
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,477
−HK$2,129/mo
Today · 4.125%
HK$71,606
baseline
▲ 0.50% · 4.625%
HK$75,963
+HK$4,357/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,212/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,960
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,971
−HK$2,039/mo
Today · 4.125%
HK$79,010
baseline
▲ 0.50% · 4.625%
HK$83,175
+HK$4,165/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$158,020/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,619 · Scale 2, in force from 26 Feb 2026)