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$37,660
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,831
−HK$1,190/mo
Today · 4.125%
HK$40,021
baseline
▲ 0.50% · 4.625%
HK$42,456
+HK$2,435/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,042/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,896
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,020
−HK$1,140/mo
Today · 4.125%
HK$44,160
baseline
▲ 0.50% · 4.625%
HK$46,487
+HK$2,327/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,320/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,192
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,597
−HK$1,429/mo
Today · 4.125%
HK$48,026
baseline
▲ 0.50% · 4.625%
HK$50,948
+HK$2,922/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,052/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,275
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,624
−HK$1,367/mo
Today · 4.125%
HK$52,991
baseline
▲ 0.50% · 4.625%
HK$55,785
+HK$2,794/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$105,982/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,724
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,364
−HK$1,666/mo
Today · 4.125%
HK$56,030
baseline
▲ 0.50% · 4.625%
HK$59,439
+HK$3,409/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,060/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,654
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,228
−HK$1,595/mo
Today · 4.125%
HK$61,823
baseline
▲ 0.50% · 4.625%
HK$65,082
+HK$3,259/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,646/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,787
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,896
−HK$2,142/mo
Today · 4.125%
HK$72,038
baseline
▲ 0.50% · 4.625%
HK$76,422
+HK$4,384/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,076/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,413
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,435
−HK$2,052/mo
Today · 4.125%
HK$79,487
baseline
▲ 0.50% · 4.625%
HK$83,677
+HK$4,190/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,974/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,333 · Scale 2, in force from 26 Feb 2026)