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$37,580
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,749
−HK$1,187/mo
Today · 4.125%
HK$39,936
baseline
▲ 0.50% · 4.625%
HK$42,366
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,872/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,807
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,928
−HK$1,138/mo
Today · 4.125%
HK$44,066
baseline
▲ 0.50% · 4.625%
HK$46,388
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,132/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,096
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,498
−HK$1,425/mo
Today · 4.125%
HK$47,923
baseline
▲ 0.50% · 4.625%
HK$50,839
+HK$2,916/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,846/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,168
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,514
−HK$1,365/mo
Today · 4.125%
HK$52,879
baseline
▲ 0.50% · 4.625%
HK$55,666
+HK$2,787/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,758/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,611
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,248
−HK$1,663/mo
Today · 4.125%
HK$55,911
baseline
▲ 0.50% · 4.625%
HK$59,313
+HK$3,402/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$111,822/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,530
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,099
−HK$1,593/mo
Today · 4.125%
HK$61,692
baseline
▲ 0.50% · 4.625%
HK$64,944
+HK$3,252/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$123,384/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,643
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,747
−HK$2,138/mo
Today · 4.125%
HK$71,885
baseline
▲ 0.50% · 4.625%
HK$76,259
+HK$4,374/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,770/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,253
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,271
−HK$2,047/mo
Today · 4.125%
HK$79,318
baseline
▲ 0.50% · 4.625%
HK$83,499
+HK$4,181/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,636/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,017 · Scale 2, in force from 26 Feb 2026)