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$37,597
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,766
−HK$1,189/mo
Today · 4.125%
HK$39,955
baseline
▲ 0.50% · 4.625%
HK$42,386
+HK$2,431/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,910/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,826
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,948
−HK$1,138/mo
Today · 4.125%
HK$44,086
baseline
▲ 0.50% · 4.625%
HK$46,410
+HK$2,324/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,172/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,116
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,520
−HK$1,426/mo
Today · 4.125%
HK$47,946
baseline
▲ 0.50% · 4.625%
HK$50,863
+HK$2,917/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$95,892/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,192
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,538
−HK$1,365/mo
Today · 4.125%
HK$52,903
baseline
▲ 0.50% · 4.625%
HK$55,692
+HK$2,789/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$105,806/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,636
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,273
−HK$1,663/mo
Today · 4.125%
HK$55,936
baseline
▲ 0.50% · 4.625%
HK$59,340
+HK$3,404/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,872/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,557
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,127
−HK$1,593/mo
Today · 4.125%
HK$61,720
baseline
▲ 0.50% · 4.625%
HK$64,974
+HK$3,254/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,440/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,675
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,780
−HK$2,138/mo
Today · 4.125%
HK$71,918
baseline
▲ 0.50% · 4.625%
HK$76,294
+HK$4,376/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,836/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,287
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,306
−HK$2,049/mo
Today · 4.125%
HK$79,355
baseline
▲ 0.50% · 4.625%
HK$83,538
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,710/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,302 · Scale 2, in force from 26 Feb 2026)