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$37,456
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,621
−HK$1,184/mo
Today · 4.125%
HK$39,805
baseline
▲ 0.50% · 4.625%
HK$42,227
+HK$2,422/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,610/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,670
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,787
−HK$1,134/mo
Today · 4.125%
HK$43,921
baseline
▲ 0.50% · 4.625%
HK$46,236
+HK$2,315/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,842/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,947
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,345
−HK$1,421/mo
Today · 4.125%
HK$47,766
baseline
▲ 0.50% · 4.625%
HK$50,672
+HK$2,906/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,532/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$615,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,003
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,345
−HK$1,360/mo
Today · 4.125%
HK$52,705
baseline
▲ 0.50% · 4.625%
HK$55,483
+HK$2,778/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,410/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$615,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,439
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,070
−HK$1,657/mo
Today · 4.125%
HK$55,727
baseline
▲ 0.50% · 4.625%
HK$59,118
+HK$3,391/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,454/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,337
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,902
−HK$1,587/mo
Today · 4.125%
HK$61,489
baseline
▲ 0.50% · 4.625%
HK$64,730
+HK$3,241/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$122,978/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,421
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,518
−HK$2,131/mo
Today · 4.125%
HK$71,649
baseline
▲ 0.50% · 4.625%
HK$76,009
+HK$4,360/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$143,298/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,005
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,017
−HK$2,040/mo
Today · 4.125%
HK$79,057
baseline
▲ 0.50% · 4.625%
HK$83,225
+HK$4,168/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$158,114/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,986 · Scale 2, in force from 26 Feb 2026)