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$37,599
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,768
−HK$1,189/mo
Today · 4.125%
HK$39,957
baseline
▲ 0.50% · 4.625%
HK$42,388
+HK$2,431/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,914/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,828
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,950
−HK$1,138/mo
Today · 4.125%
HK$44,088
baseline
▲ 0.50% · 4.625%
HK$46,412
+HK$2,324/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,176/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,119
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,522
−HK$1,426/mo
Today · 4.125%
HK$47,948
baseline
▲ 0.50% · 4.625%
HK$50,866
+HK$2,918/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$95,896/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,194
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,540
−HK$1,366/mo
Today · 4.125%
HK$52,906
baseline
▲ 0.50% · 4.625%
HK$55,695
+HK$2,789/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$105,812/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,638
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,276
−HK$1,663/mo
Today · 4.125%
HK$55,939
baseline
▲ 0.50% · 4.625%
HK$59,343
+HK$3,404/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,878/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,560
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,130
−HK$1,594/mo
Today · 4.125%
HK$61,724
baseline
▲ 0.50% · 4.625%
HK$64,977
+HK$3,253/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,448/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,678
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,783
−HK$2,139/mo
Today · 4.125%
HK$71,922
baseline
▲ 0.50% · 4.625%
HK$76,298
+HK$4,376/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,844/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,291
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,310
−HK$2,049/mo
Today · 4.125%
HK$79,359
baseline
▲ 0.50% · 4.625%
HK$83,542
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,718/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,334 · Scale 2, in force from 26 Feb 2026)