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$37,600
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,770
−HK$1,188/mo
Today · 4.125%
HK$39,958
baseline
▲ 0.50% · 4.625%
HK$42,390
+HK$2,432/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,916/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,830
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,952
−HK$1,138/mo
Today · 4.125%
HK$44,090
baseline
▲ 0.50% · 4.625%
HK$46,414
+HK$2,324/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,180/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,121
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,524
−HK$1,426/mo
Today · 4.125%
HK$47,950
baseline
▲ 0.50% · 4.625%
HK$50,868
+HK$2,918/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$95,900/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,196
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,542
−HK$1,366/mo
Today · 4.125%
HK$52,908
baseline
▲ 0.50% · 4.625%
HK$55,697
+HK$2,789/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$105,816/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,641
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,278
−HK$1,664/mo
Today · 4.125%
HK$55,942
baseline
▲ 0.50% · 4.625%
HK$59,346
+HK$3,404/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,884/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,562
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,133
−HK$1,593/mo
Today · 4.125%
HK$61,726
baseline
▲ 0.50% · 4.625%
HK$64,980
+HK$3,254/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,452/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,681
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,786
−HK$2,139/mo
Today · 4.125%
HK$71,925
baseline
▲ 0.50% · 4.625%
HK$76,301
+HK$4,376/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,850/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,294
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,314
−HK$2,048/mo
Today · 4.125%
HK$79,362
baseline
▲ 0.50% · 4.625%
HK$83,545
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,724/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,359 · Scale 2, in force from 26 Feb 2026)