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$37,588
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,757
−HK$1,188/mo
Today · 4.125%
HK$39,945
baseline
▲ 0.50% · 4.625%
HK$42,375
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,890/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,816
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,937
−HK$1,138/mo
Today · 4.125%
HK$44,075
baseline
▲ 0.50% · 4.625%
HK$46,398
+HK$2,323/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,150/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,105
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,508
−HK$1,426/mo
Today · 4.125%
HK$47,934
baseline
▲ 0.50% · 4.625%
HK$50,850
+HK$2,916/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,868/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,179
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,525
−HK$1,365/mo
Today · 4.125%
HK$52,890
baseline
▲ 0.50% · 4.625%
HK$55,678
+HK$2,788/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,780/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,623
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,259
−HK$1,663/mo
Today · 4.125%
HK$55,922
baseline
▲ 0.50% · 4.625%
HK$59,325
+HK$3,403/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,844/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,542
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,112
−HK$1,593/mo
Today · 4.125%
HK$61,705
baseline
▲ 0.50% · 4.625%
HK$64,957
+HK$3,252/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,410/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,658
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,762
−HK$2,138/mo
Today · 4.125%
HK$71,900
baseline
▲ 0.50% · 4.625%
HK$76,275
+HK$4,375/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,800/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,268
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,287
−HK$2,048/mo
Today · 4.125%
HK$79,335
baseline
▲ 0.50% · 4.625%
HK$83,517
+HK$4,182/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,670/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,147 · Scale 2, in force from 26 Feb 2026)