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$37,481
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,647
−HK$1,185/mo
Today · 4.125%
HK$39,832
baseline
▲ 0.50% · 4.625%
HK$42,255
+HK$2,423/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,664/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,697
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,816
−HK$1,134/mo
Today · 4.125%
HK$43,950
baseline
▲ 0.50% · 4.625%
HK$46,267
+HK$2,317/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,900/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,977
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,376
−HK$1,422/mo
Today · 4.125%
HK$47,798
baseline
▲ 0.50% · 4.625%
HK$50,706
+HK$2,908/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,596/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,037
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,379
−HK$1,361/mo
Today · 4.125%
HK$52,740
baseline
▲ 0.50% · 4.625%
HK$55,520
+HK$2,780/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,480/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,474
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,106
−HK$1,658/mo
Today · 4.125%
HK$55,764
baseline
▲ 0.50% · 4.625%
HK$59,157
+HK$3,393/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,528/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,376
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,942
−HK$1,588/mo
Today · 4.125%
HK$61,530
baseline
▲ 0.50% · 4.625%
HK$64,774
+HK$3,244/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,060/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,466
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,565
−HK$2,132/mo
Today · 4.125%
HK$71,697
baseline
▲ 0.50% · 4.625%
HK$76,059
+HK$4,362/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$143,394/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,055
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,068
−HK$2,042/mo
Today · 4.125%
HK$79,110
baseline
▲ 0.50% · 4.625%
HK$83,280
+HK$4,170/mo
Deposit HK$1.64M · loan HK$14.79M · min. income ≈ HK$158,220/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,398 · Scale 2, in force from 26 Feb 2026)