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$37,543
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,711
−HK$1,186/mo
Today · 4.125%
HK$39,897
baseline
▲ 0.50% · 4.625%
HK$42,325
+HK$2,428/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,794/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,766
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,886
−HK$1,136/mo
Today · 4.125%
HK$44,022
baseline
▲ 0.50% · 4.625%
HK$46,343
+HK$2,321/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,044/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,051
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,453
−HK$1,423/mo
Today · 4.125%
HK$47,876
baseline
▲ 0.50% · 4.625%
HK$50,790
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,752/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,119
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,463
−HK$1,364/mo
Today · 4.125%
HK$52,827
baseline
▲ 0.50% · 4.625%
HK$55,611
+HK$2,784/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,654/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,560
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,195
−HK$1,661/mo
Today · 4.125%
HK$55,856
baseline
▲ 0.50% · 4.625%
HK$59,254
+HK$3,398/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,712/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,472
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,040
−HK$1,591/mo
Today · 4.125%
HK$61,631
baseline
▲ 0.50% · 4.625%
HK$64,880
+HK$3,249/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,262/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,577
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,679
−HK$2,136/mo
Today · 4.125%
HK$71,815
baseline
▲ 0.50% · 4.625%
HK$76,184
+HK$4,369/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,630/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,179
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,195
−HK$2,045/mo
Today · 4.125%
HK$79,240
baseline
▲ 0.50% · 4.625%
HK$83,417
+HK$4,177/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,480/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,410 · Scale 2, in force from 26 Feb 2026)