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$37,584
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,753
−HK$1,188/mo
Today · 4.125%
HK$39,941
baseline
▲ 0.50% · 4.625%
HK$42,371
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,882/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,812
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,933
−HK$1,138/mo
Today · 4.125%
HK$44,071
baseline
▲ 0.50% · 4.625%
HK$46,394
+HK$2,323/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,142/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,101
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,503
−HK$1,426/mo
Today · 4.125%
HK$47,929
baseline
▲ 0.50% · 4.625%
HK$50,845
+HK$2,916/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,858/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,174
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,520
−HK$1,365/mo
Today · 4.125%
HK$52,885
baseline
▲ 0.50% · 4.625%
HK$55,672
+HK$2,787/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,770/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,617
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,254
−HK$1,663/mo
Today · 4.125%
HK$55,917
baseline
▲ 0.50% · 4.625%
HK$59,319
+HK$3,402/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$111,834/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,536
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,106
−HK$1,593/mo
Today · 4.125%
HK$61,699
baseline
▲ 0.50% · 4.625%
HK$64,951
+HK$3,252/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$123,398/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,651
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,755
−HK$2,138/mo
Today · 4.125%
HK$71,893
baseline
▲ 0.50% · 4.625%
HK$76,268
+HK$4,375/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,786/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,261
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,279
−HK$2,048/mo
Today · 4.125%
HK$79,327
baseline
▲ 0.50% · 4.625%
HK$83,508
+HK$4,181/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,654/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,086 · Scale 2, in force from 26 Feb 2026)