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$37,539
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,707
−HK$1,187/mo
Today · 4.125%
HK$39,894
baseline
▲ 0.50% · 4.625%
HK$42,321
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,788/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,762
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,882
−HK$1,137/mo
Today · 4.125%
HK$44,019
baseline
▲ 0.50% · 4.625%
HK$46,339
+HK$2,320/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,038/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,047
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,449
−HK$1,423/mo
Today · 4.125%
HK$47,872
baseline
▲ 0.50% · 4.625%
HK$50,785
+HK$2,913/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,744/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,115
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,459
−HK$1,363/mo
Today · 4.125%
HK$52,822
baseline
▲ 0.50% · 4.625%
HK$55,607
+HK$2,785/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,644/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,555
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,190
−HK$1,661/mo
Today · 4.125%
HK$55,851
baseline
▲ 0.50% · 4.625%
HK$59,249
+HK$3,398/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,702/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,467
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,035
−HK$1,591/mo
Today · 4.125%
HK$61,626
baseline
▲ 0.50% · 4.625%
HK$64,874
+HK$3,248/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,252/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,571
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,673
−HK$2,135/mo
Today · 4.125%
HK$71,808
baseline
▲ 0.50% · 4.625%
HK$76,178
+HK$4,370/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,616/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,172
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,188
−HK$2,045/mo
Today · 4.125%
HK$79,233
baseline
▲ 0.50% · 4.625%
HK$83,410
+HK$4,177/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,466/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,356 · Scale 2, in force from 26 Feb 2026)