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$37,466
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,632
−HK$1,184/mo
Today · 4.125%
HK$39,816
baseline
▲ 0.50% · 4.625%
HK$42,238
+HK$2,422/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,632/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,681
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,799
−HK$1,134/mo
Today · 4.125%
HK$43,933
baseline
▲ 0.50% · 4.625%
HK$46,248
+HK$2,315/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,866/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,959
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,358
−HK$1,421/mo
Today · 4.125%
HK$47,779
baseline
▲ 0.50% · 4.625%
HK$50,686
+HK$2,907/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,558/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,017
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,358
−HK$1,361/mo
Today · 4.125%
HK$52,719
baseline
▲ 0.50% · 4.625%
HK$55,498
+HK$2,779/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,438/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,453
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,084
−HK$1,658/mo
Today · 4.125%
HK$55,742
baseline
▲ 0.50% · 4.625%
HK$59,134
+HK$3,392/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,484/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,353
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,918
−HK$1,588/mo
Today · 4.125%
HK$61,506
baseline
▲ 0.50% · 4.625%
HK$64,748
+HK$3,242/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$123,012/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,439
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,537
−HK$2,131/mo
Today · 4.125%
HK$71,668
baseline
▲ 0.50% · 4.625%
HK$76,029
+HK$4,361/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,336/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,025
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,037
−HK$2,042/mo
Today · 4.125%
HK$79,079
baseline
▲ 0.50% · 4.625%
HK$83,247
+HK$4,168/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,158/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,150 · Scale 2, in force from 26 Feb 2026)