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$37,593
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,762
−HK$1,188/mo
Today · 4.125%
HK$39,950
baseline
▲ 0.50% · 4.625%
HK$42,381
+HK$2,431/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,900/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,822
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,943
−HK$1,138/mo
Today · 4.125%
HK$44,081
baseline
▲ 0.50% · 4.625%
HK$46,405
+HK$2,324/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,162/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,112
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,515
−HK$1,425/mo
Today · 4.125%
HK$47,940
baseline
▲ 0.50% · 4.625%
HK$50,858
+HK$2,918/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,880/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,186
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,532
−HK$1,366/mo
Today · 4.125%
HK$52,898
baseline
▲ 0.50% · 4.625%
HK$55,686
+HK$2,788/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,796/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,630
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,267
−HK$1,664/mo
Today · 4.125%
HK$55,931
baseline
▲ 0.50% · 4.625%
HK$59,334
+HK$3,403/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,862/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,551
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,121
−HK$1,593/mo
Today · 4.125%
HK$61,714
baseline
▲ 0.50% · 4.625%
HK$64,967
+HK$3,253/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,428/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,667
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,772
−HK$2,139/mo
Today · 4.125%
HK$71,911
baseline
▲ 0.50% · 4.625%
HK$76,286
+HK$4,375/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,822/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,279
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,298
−HK$2,048/mo
Today · 4.125%
HK$79,346
baseline
▲ 0.50% · 4.625%
HK$83,529
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,692/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,237 · Scale 2, in force from 26 Feb 2026)