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$37,457
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,622
−HK$1,184/mo
Today · 4.125%
HK$39,806
baseline
▲ 0.50% · 4.625%
HK$42,228
+HK$2,422/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,612/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,670
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,788
−HK$1,134/mo
Today · 4.125%
HK$43,922
baseline
▲ 0.50% · 4.625%
HK$46,237
+HK$2,315/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,844/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,948
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,346
−HK$1,421/mo
Today · 4.125%
HK$47,767
baseline
▲ 0.50% · 4.625%
HK$50,673
+HK$2,906/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,534/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$615,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,004
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,345
−HK$1,361/mo
Today · 4.125%
HK$52,706
baseline
▲ 0.50% · 4.625%
HK$55,484
+HK$2,778/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,412/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$615,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,439
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,071
−HK$1,657/mo
Today · 4.125%
HK$55,728
baseline
▲ 0.50% · 4.625%
HK$59,119
+HK$3,391/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,456/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,338
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,903
−HK$1,587/mo
Today · 4.125%
HK$61,490
baseline
▲ 0.50% · 4.625%
HK$64,731
+HK$3,241/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$122,980/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,422
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,519
−HK$2,131/mo
Today · 4.125%
HK$71,650
baseline
▲ 0.50% · 4.625%
HK$76,010
+HK$4,360/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$143,300/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,006
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,018
−HK$2,041/mo
Today · 4.125%
HK$79,059
baseline
▲ 0.50% · 4.625%
HK$83,226
+HK$4,167/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$158,118/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,996 · Scale 2, in force from 26 Feb 2026)