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$37,555
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,723
−HK$1,187/mo
Today · 4.125%
HK$39,910
baseline
▲ 0.50% · 4.625%
HK$42,338
+HK$2,428/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,820/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,779
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,900
−HK$1,137/mo
Today · 4.125%
HK$44,037
baseline
▲ 0.50% · 4.625%
HK$46,358
+HK$2,321/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,074/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,066
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,468
−HK$1,424/mo
Today · 4.125%
HK$47,892
baseline
▲ 0.50% · 4.625%
HK$50,806
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,784/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,135
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,480
−HK$1,364/mo
Today · 4.125%
HK$52,844
baseline
▲ 0.50% · 4.625%
HK$55,630
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,688/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,577
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,212
−HK$1,662/mo
Today · 4.125%
HK$55,874
baseline
▲ 0.50% · 4.625%
HK$59,274
+HK$3,400/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,748/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,491
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,060
−HK$1,591/mo
Today · 4.125%
HK$61,651
baseline
▲ 0.50% · 4.625%
HK$64,901
+HK$3,250/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,302/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,599
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,702
−HK$2,136/mo
Today · 4.125%
HK$71,838
baseline
▲ 0.50% · 4.625%
HK$76,209
+HK$4,371/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,676/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,203
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,220
−HK$2,046/mo
Today · 4.125%
HK$79,266
baseline
▲ 0.50% · 4.625%
HK$83,444
+HK$4,178/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,532/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,611 · Scale 2, in force from 26 Feb 2026)