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$42,355
+HK$2,429/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$617,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,796
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,917
−HK$1,137/mo
Today · 4.125%
HK$44,054
baseline
▲ 0.50% · 4.625%
HK$46,377
+HK$2,323/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,108/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,084
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,486
−HK$1,425/mo
Today · 4.125%
HK$47,911
baseline
▲ 0.50% · 4.625%
HK$50,826
+HK$2,915/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$617,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,156
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,501
−HK$1,364/mo
Today · 4.125%
HK$52,865
baseline
▲ 0.50% · 4.625%
HK$55,652
+HK$2,787/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,730/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,598
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,234
−HK$1,662/mo
Today · 4.125%
HK$55,896
baseline
▲ 0.50% · 4.625%
HK$59,298
+HK$3,402/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,792/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,859 · 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$64,927
+HK$3,251/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$617,859 · 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$617,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,233
−HK$4,065/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$617,859 · Scale 2, in force from 26 Feb 2026)