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$37,570
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,739
−HK$1,187/mo
Today · 4.125%
HK$39,926
baseline
▲ 0.50% · 4.625%
HK$42,356
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,852/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,796
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,917
−HK$1,138/mo
Today · 4.125%
HK$44,055
baseline
▲ 0.50% · 4.625%
HK$46,377
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,110/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,084
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,487
−HK$1,424/mo
Today · 4.125%
HK$47,911
baseline
▲ 0.50% · 4.625%
HK$50,827
+HK$2,916/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,822/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,156
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,501
−HK$1,365/mo
Today · 4.125%
HK$52,866
baseline
▲ 0.50% · 4.625%
HK$55,652
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,732/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,598
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,234
−HK$1,663/mo
Today · 4.125%
HK$55,897
baseline
▲ 0.50% · 4.625%
HK$59,298
+HK$3,401/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,794/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,515
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,084
−HK$1,592/mo
Today · 4.125%
HK$61,676
baseline
▲ 0.50% · 4.625%
HK$64,928
+HK$3,252/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,352/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,626
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,730
−HK$2,137/mo
Today · 4.125%
HK$71,867
baseline
▲ 0.50% · 4.625%
HK$76,240
+HK$4,373/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,734/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,234
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,251
−HK$2,047/mo
Today · 4.125%
HK$79,298
baseline
▲ 0.50% · 4.625%
HK$83,478
+HK$4,180/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,596/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,862 · Scale 2, in force from 26 Feb 2026)