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$37,460
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,625
−HK$1,184/mo
Today · 4.125%
HK$39,809
baseline
▲ 0.50% · 4.625%
HK$42,231
+HK$2,422/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,618/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,674
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,792
−HK$1,133/mo
Today · 4.125%
HK$43,925
baseline
▲ 0.50% · 4.625%
HK$46,241
+HK$2,316/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,850/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,952
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,350
−HK$1,421/mo
Today · 4.125%
HK$47,771
baseline
▲ 0.50% · 4.625%
HK$50,678
+HK$2,907/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,542/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,009
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,350
−HK$1,360/mo
Today · 4.125%
HK$52,710
baseline
▲ 0.50% · 4.625%
HK$55,489
+HK$2,779/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,420/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,444
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,075
−HK$1,658/mo
Today · 4.125%
HK$55,733
baseline
▲ 0.50% · 4.625%
HK$59,124
+HK$3,391/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,466/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$616,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,343
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,908
−HK$1,588/mo
Today · 4.125%
HK$61,496
baseline
▲ 0.50% · 4.625%
HK$64,737
+HK$3,241/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$122,992/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$616,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,428
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,525
−HK$2,131/mo
Today · 4.125%
HK$71,656
baseline
▲ 0.50% · 4.625%
HK$76,016
+HK$4,360/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,312/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,013
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,025
−HK$2,041/mo
Today · 4.125%
HK$79,066
baseline
▲ 0.50% · 4.625%
HK$83,233
+HK$4,167/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,132/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,049 · Scale 2, in force from 26 Feb 2026)