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$37,474
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,640
−HK$1,184/mo
Today · 4.125%
HK$39,824
baseline
▲ 0.50% · 4.625%
HK$42,247
+HK$2,423/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,648/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,690
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,808
−HK$1,134/mo
Today · 4.125%
HK$43,942
baseline
▲ 0.50% · 4.625%
HK$46,258
+HK$2,316/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,884/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,969
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,368
−HK$1,421/mo
Today · 4.125%
HK$47,789
baseline
▲ 0.50% · 4.625%
HK$50,697
+HK$2,908/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,578/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,028
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,369
−HK$1,361/mo
Today · 4.125%
HK$52,730
baseline
▲ 0.50% · 4.625%
HK$55,510
+HK$2,780/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,460/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,464
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,096
−HK$1,658/mo
Today · 4.125%
HK$55,754
baseline
▲ 0.50% · 4.625%
HK$59,146
+HK$3,392/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,508/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,366
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,931
−HK$1,588/mo
Today · 4.125%
HK$61,519
baseline
▲ 0.50% · 4.625%
HK$64,762
+HK$3,243/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$123,038/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,454
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,552
−HK$2,132/mo
Today · 4.125%
HK$71,684
baseline
▲ 0.50% · 4.625%
HK$76,045
+HK$4,361/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,368/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,041
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,054
−HK$2,042/mo
Today · 4.125%
HK$79,096
baseline
▲ 0.50% · 4.625%
HK$83,265
+HK$4,169/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,192/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,284 · Scale 2, in force from 26 Feb 2026)