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$37,552
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,720
−HK$1,187/mo
Today · 4.125%
HK$39,907
baseline
▲ 0.50% · 4.625%
HK$42,335
+HK$2,428/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,814/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,777
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,897
−HK$1,137/mo
Today · 4.125%
HK$44,034
baseline
▲ 0.50% · 4.625%
HK$46,355
+HK$2,321/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,068/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,063
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,464
−HK$1,425/mo
Today · 4.125%
HK$47,889
baseline
▲ 0.50% · 4.625%
HK$50,802
+HK$2,913/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,778/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,132
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,476
−HK$1,364/mo
Today · 4.125%
HK$52,840
baseline
▲ 0.50% · 4.625%
HK$55,626
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,680/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,573
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,208
−HK$1,662/mo
Today · 4.125%
HK$55,870
baseline
▲ 0.50% · 4.625%
HK$59,270
+HK$3,400/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,740/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,487
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,056
−HK$1,591/mo
Today · 4.125%
HK$61,647
baseline
▲ 0.50% · 4.625%
HK$64,896
+HK$3,249/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,294/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,594
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,697
−HK$2,136/mo
Today · 4.125%
HK$71,833
baseline
▲ 0.50% · 4.625%
HK$76,204
+HK$4,371/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,666/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,198
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,214
−HK$2,046/mo
Today · 4.125%
HK$79,260
baseline
▲ 0.50% · 4.625%
HK$83,438
+HK$4,178/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,520/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,567 · Scale 2, in force from 26 Feb 2026)