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$37,438
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,602
−HK$1,183/mo
Today · 4.125%
HK$39,785
baseline
▲ 0.50% · 4.625%
HK$42,206
+HK$2,421/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,570/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,649
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,766
−HK$1,133/mo
Today · 4.125%
HK$43,899
baseline
▲ 0.50% · 4.625%
HK$46,213
+HK$2,314/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,798/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,925
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,322
−HK$1,420/mo
Today · 4.125%
HK$47,742
baseline
▲ 0.50% · 4.625%
HK$50,647
+HK$2,905/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$95,484/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,979
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,319
−HK$1,360/mo
Today · 4.125%
HK$52,679
baseline
▲ 0.50% · 4.625%
HK$55,456
+HK$2,777/mo
Deposit HK$6.57M · loan HK$9.85M · min. income ≈ HK$105,358/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,413
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,043
−HK$1,656/mo
Today · 4.125%
HK$55,699
baseline
▲ 0.50% · 4.625%
HK$59,088
+HK$3,389/mo
Deposit HK$4.93M · loan HK$11.49M · min. income ≈ HK$111,398/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,308
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,872
−HK$1,587/mo
Today · 4.125%
HK$61,459
baseline
▲ 0.50% · 4.625%
HK$64,698
+HK$3,239/mo
Deposit HK$4.93M · loan HK$11.49M · min. income ≈ HK$122,918/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,388
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,484
−HK$2,129/mo
Today · 4.125%
HK$71,613
baseline
▲ 0.50% · 4.625%
HK$75,971
+HK$4,358/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$143,226/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,968
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,979
−HK$2,039/mo
Today · 4.125%
HK$79,018
baseline
▲ 0.50% · 4.625%
HK$83,183
+HK$4,165/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$158,036/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,680 · Scale 2, in force from 26 Feb 2026)