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$37,542
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,710
−HK$1,186/mo
Today · 4.125%
HK$39,896
baseline
▲ 0.50% · 4.625%
HK$42,324
+HK$2,428/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,792/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,765
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,885
−HK$1,137/mo
Today · 4.125%
HK$44,022
baseline
▲ 0.50% · 4.625%
HK$46,342
+HK$2,320/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,044/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,051
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,452
−HK$1,424/mo
Today · 4.125%
HK$47,876
baseline
▲ 0.50% · 4.625%
HK$50,789
+HK$2,913/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,752/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,118
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,462
−HK$1,364/mo
Today · 4.125%
HK$52,826
baseline
▲ 0.50% · 4.625%
HK$55,611
+HK$2,785/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,652/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,559
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,194
−HK$1,661/mo
Today · 4.125%
HK$55,855
baseline
▲ 0.50% · 4.625%
HK$59,254
+HK$3,399/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,710/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,471
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,040
−HK$1,590/mo
Today · 4.125%
HK$61,630
baseline
▲ 0.50% · 4.625%
HK$64,879
+HK$3,249/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,260/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,576
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,678
−HK$2,135/mo
Today · 4.125%
HK$71,813
baseline
▲ 0.50% · 4.625%
HK$76,183
+HK$4,370/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,626/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,177
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,194
−HK$2,045/mo
Today · 4.125%
HK$79,239
baseline
▲ 0.50% · 4.625%
HK$83,416
+HK$4,177/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,478/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,400 · Scale 2, in force from 26 Feb 2026)