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$37,561
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,729
−HK$1,187/mo
Today · 4.125%
HK$39,916
baseline
▲ 0.50% · 4.625%
HK$42,345
+HK$2,429/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,832/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,786
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,907
−HK$1,137/mo
Today · 4.125%
HK$44,044
baseline
▲ 0.50% · 4.625%
HK$46,365
+HK$2,321/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,088/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,073
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,475
−HK$1,425/mo
Today · 4.125%
HK$47,900
baseline
▲ 0.50% · 4.625%
HK$50,814
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,800/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,143
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,488
−HK$1,365/mo
Today · 4.125%
HK$52,853
baseline
▲ 0.50% · 4.625%
HK$55,638
+HK$2,785/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,706/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,585
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,221
−HK$1,662/mo
Today · 4.125%
HK$55,883
baseline
▲ 0.50% · 4.625%
HK$59,283
+HK$3,400/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,766/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,501
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,070
−HK$1,591/mo
Today · 4.125%
HK$61,661
baseline
▲ 0.50% · 4.625%
HK$64,912
+HK$3,251/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,322/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,610
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,713
−HK$2,136/mo
Today · 4.125%
HK$71,849
baseline
▲ 0.50% · 4.625%
HK$76,221
+HK$4,372/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,698/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,215
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,232
−HK$2,047/mo
Today · 4.125%
HK$79,279
baseline
▲ 0.50% · 4.625%
HK$83,458
+HK$4,179/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,558/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,710 · Scale 2, in force from 26 Feb 2026)