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$37,429
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,593
−HK$1,183/mo
Today · 4.125%
HK$39,776
baseline
▲ 0.50% · 4.625%
HK$42,196
+HK$2,420/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,552/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,639
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,756
−HK$1,133/mo
Today · 4.125%
HK$43,889
baseline
▲ 0.50% · 4.625%
HK$46,202
+HK$2,313/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,778/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,915
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,312
−HK$1,419/mo
Today · 4.125%
HK$47,731
baseline
▲ 0.50% · 4.625%
HK$50,635
+HK$2,904/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,462/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,967
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,307
−HK$1,360/mo
Today · 4.125%
HK$52,667
baseline
▲ 0.50% · 4.625%
HK$55,443
+HK$2,776/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,334/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,400
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,030
−HK$1,656/mo
Today · 4.125%
HK$55,686
baseline
▲ 0.50% · 4.625%
HK$59,075
+HK$3,389/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,372/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,295
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,858
−HK$1,586/mo
Today · 4.125%
HK$61,444
baseline
▲ 0.50% · 4.625%
HK$64,683
+HK$3,239/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,888/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,372
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,468
−HK$2,129/mo
Today · 4.125%
HK$71,597
baseline
▲ 0.50% · 4.625%
HK$75,953
+HK$4,356/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,194/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,951
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,961
−HK$2,039/mo
Today · 4.125%
HK$79,000
baseline
▲ 0.50% · 4.625%
HK$83,164
+HK$4,164/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$158,000/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,537 · Scale 2, in force from 26 Feb 2026)