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$37,560
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,729
−HK$1,187/mo
Today · 4.125%
HK$39,916
baseline
▲ 0.50% · 4.625%
HK$42,344
+HK$2,428/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,832/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,785
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,906
−HK$1,137/mo
Today · 4.125%
HK$44,043
baseline
▲ 0.50% · 4.625%
HK$46,364
+HK$2,321/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,086/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,072
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,474
−HK$1,425/mo
Today · 4.125%
HK$47,899
baseline
▲ 0.50% · 4.625%
HK$50,813
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,798/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,142
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,487
−HK$1,364/mo
Today · 4.125%
HK$52,851
baseline
▲ 0.50% · 4.625%
HK$55,637
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,702/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,584
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,220
−HK$1,662/mo
Today · 4.125%
HK$55,882
baseline
▲ 0.50% · 4.625%
HK$59,282
+HK$3,400/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,764/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,500
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,068
−HK$1,592/mo
Today · 4.125%
HK$61,660
baseline
▲ 0.50% · 4.625%
HK$64,910
+HK$3,250/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,320/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,608
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,711
−HK$2,137/mo
Today · 4.125%
HK$71,848
baseline
▲ 0.50% · 4.625%
HK$76,220
+HK$4,372/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,696/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,214
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,231
−HK$2,046/mo
Today · 4.125%
HK$79,277
baseline
▲ 0.50% · 4.625%
HK$83,456
+HK$4,179/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,554/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,698 · Scale 2, in force from 26 Feb 2026)