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$37,497
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,664
−HK$1,185/mo
Today · 4.125%
HK$39,849
baseline
▲ 0.50% · 4.625%
HK$42,273
+HK$2,424/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,698/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,715
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,834
−HK$1,135/mo
Today · 4.125%
HK$43,969
baseline
▲ 0.50% · 4.625%
HK$46,287
+HK$2,318/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,938/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,997
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,396
−HK$1,423/mo
Today · 4.125%
HK$47,819
baseline
▲ 0.50% · 4.625%
HK$50,728
+HK$2,909/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,638/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,059
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,401
−HK$1,362/mo
Today · 4.125%
HK$52,763
baseline
▲ 0.50% · 4.625%
HK$55,544
+HK$2,781/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,526/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,496
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,129
−HK$1,659/mo
Today · 4.125%
HK$55,788
baseline
▲ 0.50% · 4.625%
HK$59,183
+HK$3,395/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,576/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,402
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,968
−HK$1,589/mo
Today · 4.125%
HK$61,557
baseline
▲ 0.50% · 4.625%
HK$64,802
+HK$3,245/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,114/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,495
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,595
−HK$2,133/mo
Today · 4.125%
HK$71,728
baseline
▲ 0.50% · 4.625%
HK$76,092
+HK$4,364/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,456/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,088
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,102
−HK$2,043/mo
Today · 4.125%
HK$79,145
baseline
▲ 0.50% · 4.625%
HK$83,316
+HK$4,171/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,290/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,664 · Scale 2, in force from 26 Feb 2026)