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$37,542
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,709
−HK$1,187/mo
Today · 4.125%
HK$39,896
baseline
▲ 0.50% · 4.625%
HK$42,323
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,792/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,765
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,885
−HK$1,136/mo
Today · 4.125%
HK$44,021
baseline
▲ 0.50% · 4.625%
HK$46,341
+HK$2,320/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,042/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,050
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,451
−HK$1,424/mo
Today · 4.125%
HK$47,875
baseline
▲ 0.50% · 4.625%
HK$50,788
+HK$2,913/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,750/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,117
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,462
−HK$1,363/mo
Today · 4.125%
HK$52,825
baseline
▲ 0.50% · 4.625%
HK$55,610
+HK$2,785/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,650/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,558
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,193
−HK$1,661/mo
Today · 4.125%
HK$55,854
baseline
▲ 0.50% · 4.625%
HK$59,253
+HK$3,399/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,708/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,470
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,039
−HK$1,590/mo
Today · 4.125%
HK$61,629
baseline
▲ 0.50% · 4.625%
HK$64,878
+HK$3,249/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,258/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,575
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,677
−HK$2,135/mo
Today · 4.125%
HK$71,812
baseline
▲ 0.50% · 4.625%
HK$76,182
+HK$4,370/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,624/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,176
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,192
−HK$2,046/mo
Today · 4.125%
HK$79,238
baseline
▲ 0.50% · 4.625%
HK$83,414
+HK$4,176/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,476/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,390 · Scale 2, in force from 26 Feb 2026)