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$37,504
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,670
−HK$1,185/mo
Today · 4.125%
HK$39,855
baseline
▲ 0.50% · 4.625%
HK$42,281
+HK$2,426/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,710/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,722
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,841
−HK$1,136/mo
Today · 4.125%
HK$43,977
baseline
▲ 0.50% · 4.625%
HK$46,295
+HK$2,318/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,954/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,004
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,404
−HK$1,423/mo
Today · 4.125%
HK$47,827
baseline
▲ 0.50% · 4.625%
HK$50,737
+HK$2,910/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,654/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,067
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,410
−HK$1,362/mo
Today · 4.125%
HK$52,772
baseline
▲ 0.50% · 4.625%
HK$55,554
+HK$2,782/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,544/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,505
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,138
−HK$1,660/mo
Today · 4.125%
HK$55,798
baseline
▲ 0.50% · 4.625%
HK$59,193
+HK$3,395/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,596/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,411
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,978
−HK$1,589/mo
Today · 4.125%
HK$61,567
baseline
▲ 0.50% · 4.625%
HK$64,812
+HK$3,245/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,134/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,507
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,606
−HK$2,134/mo
Today · 4.125%
HK$71,740
baseline
▲ 0.50% · 4.625%
HK$76,105
+HK$4,365/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,480/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,100
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,114
−HK$2,044/mo
Today · 4.125%
HK$79,158
baseline
▲ 0.50% · 4.625%
HK$83,330
+HK$4,172/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,316/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,767 · Scale 2, in force from 26 Feb 2026)