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$37,458
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,623
−HK$1,184/mo
Today · 4.125%
HK$39,807
baseline
▲ 0.50% · 4.625%
HK$42,229
+HK$2,422/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,614/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,671
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,789
−HK$1,134/mo
Today · 4.125%
HK$43,923
baseline
▲ 0.50% · 4.625%
HK$46,238
+HK$2,315/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,846/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$616,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,949
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,347
−HK$1,421/mo
Today · 4.125%
HK$47,768
baseline
▲ 0.50% · 4.625%
HK$50,674
+HK$2,906/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,536/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,005
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,347
−HK$1,360/mo
Today · 4.125%
HK$52,707
baseline
▲ 0.50% · 4.625%
HK$55,485
+HK$2,778/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,414/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,441
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,072
−HK$1,657/mo
Today · 4.125%
HK$55,729
baseline
▲ 0.50% · 4.625%
HK$59,120
+HK$3,391/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,458/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$616,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,340
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,904
−HK$1,588/mo
Today · 4.125%
HK$61,492
baseline
▲ 0.50% · 4.625%
HK$64,733
+HK$3,241/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$122,984/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$616,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,424
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,521
−HK$2,131/mo
Today · 4.125%
HK$71,652
baseline
▲ 0.50% · 4.625%
HK$76,012
+HK$4,360/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$143,304/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,008
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,020
−HK$2,041/mo
Today · 4.125%
HK$79,061
baseline
▲ 0.50% · 4.625%
HK$83,228
+HK$4,167/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$158,122/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,010 · Scale 2, in force from 26 Feb 2026)