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$37,431
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,596
−HK$1,183/mo
Today · 4.125%
HK$39,779
baseline
▲ 0.50% · 4.625%
HK$42,199
+HK$2,420/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,558/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,642
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,759
−HK$1,133/mo
Today · 4.125%
HK$43,892
baseline
▲ 0.50% · 4.625%
HK$46,205
+HK$2,313/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,784/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,918
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,315
−HK$1,419/mo
Today · 4.125%
HK$47,734
baseline
▲ 0.50% · 4.625%
HK$50,639
+HK$2,905/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,468/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,971
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,311
−HK$1,359/mo
Today · 4.125%
HK$52,670
baseline
▲ 0.50% · 4.625%
HK$55,447
+HK$2,777/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,340/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,404
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,034
−HK$1,656/mo
Today · 4.125%
HK$55,690
baseline
▲ 0.50% · 4.625%
HK$59,079
+HK$3,389/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,380/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,299
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,862
−HK$1,587/mo
Today · 4.125%
HK$61,449
baseline
▲ 0.50% · 4.625%
HK$64,688
+HK$3,239/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,898/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,377
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,472
−HK$2,130/mo
Today · 4.125%
HK$71,602
baseline
▲ 0.50% · 4.625%
HK$75,958
+HK$4,356/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,204/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,956
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,966
−HK$2,039/mo
Today · 4.125%
HK$79,005
baseline
▲ 0.50% · 4.625%
HK$83,170
+HK$4,165/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$158,010/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,580 · Scale 2, in force from 26 Feb 2026)