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$37,575
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,744
−HK$1,188/mo
Today · 4.125%
HK$39,932
baseline
▲ 0.50% · 4.625%
HK$42,362
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,864/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,802
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,923
−HK$1,138/mo
Today · 4.125%
HK$44,061
baseline
▲ 0.50% · 4.625%
HK$46,383
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,122/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,091
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,493
−HK$1,425/mo
Today · 4.125%
HK$47,918
baseline
▲ 0.50% · 4.625%
HK$50,834
+HK$2,916/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,836/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,163
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,508
−HK$1,365/mo
Today · 4.125%
HK$52,873
baseline
▲ 0.50% · 4.625%
HK$55,660
+HK$2,787/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,746/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,606
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,242
−HK$1,662/mo
Today · 4.125%
HK$55,904
baseline
▲ 0.50% · 4.625%
HK$59,306
+HK$3,402/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$111,808/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,523
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,093
−HK$1,592/mo
Today · 4.125%
HK$61,685
baseline
▲ 0.50% · 4.625%
HK$64,937
+HK$3,252/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$123,370/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,636
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,740
−HK$2,137/mo
Today · 4.125%
HK$71,877
baseline
▲ 0.50% · 4.625%
HK$76,251
+HK$4,374/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,754/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,244
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,262
−HK$2,047/mo
Today · 4.125%
HK$79,309
baseline
▲ 0.50% · 4.625%
HK$83,490
+HK$4,181/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,618/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,948 · Scale 2, in force from 26 Feb 2026)