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$37,573
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,741
−HK$1,188/mo
Today · 4.125%
HK$39,929
baseline
▲ 0.50% · 4.625%
HK$42,358
+HK$2,429/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,858/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,799
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,920
−HK$1,138/mo
Today · 4.125%
HK$44,058
baseline
▲ 0.50% · 4.625%
HK$46,380
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,116/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,087
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,490
−HK$1,425/mo
Today · 4.125%
HK$47,915
baseline
▲ 0.50% · 4.625%
HK$50,830
+HK$2,915/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,830/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,159
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,504
−HK$1,365/mo
Today · 4.125%
HK$52,869
baseline
▲ 0.50% · 4.625%
HK$55,656
+HK$2,787/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,738/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,602
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,238
−HK$1,662/mo
Today · 4.125%
HK$55,900
baseline
▲ 0.50% · 4.625%
HK$59,302
+HK$3,402/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,800/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,519
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,088
−HK$1,593/mo
Today · 4.125%
HK$61,681
baseline
▲ 0.50% · 4.625%
HK$64,932
+HK$3,251/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,362/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,631
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,735
−HK$2,137/mo
Today · 4.125%
HK$71,872
baseline
▲ 0.50% · 4.625%
HK$76,245
+HK$4,373/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,744/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,239
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,257
−HK$2,047/mo
Today · 4.125%
HK$79,304
baseline
▲ 0.50% · 4.625%
HK$83,484
+HK$4,180/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,608/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,903 · Scale 2, in force from 26 Feb 2026)