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$37,540
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,708
−HK$1,186/mo
Today · 4.125%
HK$39,894
baseline
▲ 0.50% · 4.625%
HK$42,321
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,788/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,763
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,883
−HK$1,136/mo
Today · 4.125%
HK$44,019
baseline
▲ 0.50% · 4.625%
HK$46,339
+HK$2,320/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,038/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,048
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,449
−HK$1,424/mo
Today · 4.125%
HK$47,873
baseline
▲ 0.50% · 4.625%
HK$50,786
+HK$2,913/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,746/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,115
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,459
−HK$1,364/mo
Today · 4.125%
HK$52,823
baseline
▲ 0.50% · 4.625%
HK$55,607
+HK$2,784/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,646/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,556
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,191
−HK$1,661/mo
Today · 4.125%
HK$55,852
baseline
▲ 0.50% · 4.625%
HK$59,250
+HK$3,398/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,704/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,468
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,036
−HK$1,591/mo
Today · 4.125%
HK$61,627
baseline
▲ 0.50% · 4.625%
HK$64,875
+HK$3,248/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,254/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,572
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,674
−HK$2,135/mo
Today · 4.125%
HK$71,809
baseline
▲ 0.50% · 4.625%
HK$76,178
+HK$4,369/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,618/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,173
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,189
−HK$2,045/mo
Today · 4.125%
HK$79,234
baseline
▲ 0.50% · 4.625%
HK$83,411
+HK$4,177/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,468/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,363 · Scale 2, in force from 26 Feb 2026)