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$37,534
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,701
−HK$1,186/mo
Today · 4.125%
HK$39,887
baseline
▲ 0.50% · 4.625%
HK$42,314
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,774/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,756
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,876
−HK$1,136/mo
Today · 4.125%
HK$44,012
baseline
▲ 0.50% · 4.625%
HK$46,332
+HK$2,320/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,024/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,040
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,441
−HK$1,424/mo
Today · 4.125%
HK$47,865
baseline
▲ 0.50% · 4.625%
HK$50,777
+HK$2,912/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$95,730/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,107
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,451
−HK$1,363/mo
Today · 4.125%
HK$52,814
baseline
▲ 0.50% · 4.625%
HK$55,598
+HK$2,784/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$105,628/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,547
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,182
−HK$1,660/mo
Today · 4.125%
HK$55,842
baseline
▲ 0.50% · 4.625%
HK$59,240
+HK$3,398/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,684/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,458
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,026
−HK$1,590/mo
Today · 4.125%
HK$61,616
baseline
▲ 0.50% · 4.625%
HK$64,864
+HK$3,248/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,232/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,561
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,662
−HK$2,135/mo
Today · 4.125%
HK$71,797
baseline
▲ 0.50% · 4.625%
HK$76,166
+HK$4,369/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,594/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,161
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,176
−HK$2,045/mo
Today · 4.125%
HK$79,221
baseline
▲ 0.50% · 4.625%
HK$83,397
+HK$4,176/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,442/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,261 · Scale 2, in force from 26 Feb 2026)