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$37,554
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,722
−HK$1,187/mo
Today · 4.125%
HK$39,909
baseline
▲ 0.50% · 4.625%
HK$42,337
+HK$2,428/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,818/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,779
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,899
−HK$1,137/mo
Today · 4.125%
HK$44,036
baseline
▲ 0.50% · 4.625%
HK$46,357
+HK$2,321/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,072/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,065
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,467
−HK$1,424/mo
Today · 4.125%
HK$47,891
baseline
▲ 0.50% · 4.625%
HK$50,805
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,782/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,134
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,479
−HK$1,364/mo
Today · 4.125%
HK$52,843
baseline
▲ 0.50% · 4.625%
HK$55,628
+HK$2,785/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,686/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,576
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,211
−HK$1,662/mo
Today · 4.125%
HK$55,873
baseline
▲ 0.50% · 4.625%
HK$59,272
+HK$3,399/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,746/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,490
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,059
−HK$1,591/mo
Today · 4.125%
HK$61,650
baseline
▲ 0.50% · 4.625%
HK$64,900
+HK$3,250/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,300/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,597
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,700
−HK$2,136/mo
Today · 4.125%
HK$71,836
baseline
▲ 0.50% · 4.625%
HK$76,207
+HK$4,371/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,672/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,201
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,218
−HK$2,046/mo
Today · 4.125%
HK$79,264
baseline
▲ 0.50% · 4.625%
HK$83,443
+HK$4,179/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,528/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,598 · Scale 2, in force from 26 Feb 2026)