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$37,533
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,700
−HK$1,186/mo
Today · 4.125%
HK$39,886
baseline
▲ 0.50% · 4.625%
HK$42,313
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,772/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,755
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,875
−HK$1,136/mo
Today · 4.125%
HK$44,011
baseline
▲ 0.50% · 4.625%
HK$46,331
+HK$2,320/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,022/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,039
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,440
−HK$1,424/mo
Today · 4.125%
HK$47,864
baseline
▲ 0.50% · 4.625%
HK$50,776
+HK$2,912/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$95,728/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,106
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,450
−HK$1,363/mo
Today · 4.125%
HK$52,813
baseline
▲ 0.50% · 4.625%
HK$55,597
+HK$2,784/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$105,626/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,546
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,180
−HK$1,661/mo
Today · 4.125%
HK$55,841
baseline
▲ 0.50% · 4.625%
HK$59,239
+HK$3,398/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,682/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,457
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,025
−HK$1,590/mo
Today · 4.125%
HK$61,615
baseline
▲ 0.50% · 4.625%
HK$64,863
+HK$3,248/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,230/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,559
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,661
−HK$2,135/mo
Today · 4.125%
HK$71,796
baseline
▲ 0.50% · 4.625%
HK$76,164
+HK$4,368/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,592/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,159
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,175
−HK$2,044/mo
Today · 4.125%
HK$79,219
baseline
▲ 0.50% · 4.625%
HK$83,395
+HK$4,176/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,438/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,248 · Scale 2, in force from 26 Feb 2026)