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$37,568
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,736
−HK$1,187/mo
Today · 4.125%
HK$39,923
baseline
▲ 0.50% · 4.625%
HK$42,353
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,846/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,793
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,914
−HK$1,137/mo
Today · 4.125%
HK$44,051
baseline
▲ 0.50% · 4.625%
HK$46,373
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,102/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,081
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,483
−HK$1,425/mo
Today · 4.125%
HK$47,908
baseline
▲ 0.50% · 4.625%
HK$50,823
+HK$2,915/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,816/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,152
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,497
−HK$1,365/mo
Today · 4.125%
HK$52,862
baseline
▲ 0.50% · 4.625%
HK$55,648
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,724/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,595
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,230
−HK$1,663/mo
Today · 4.125%
HK$55,893
baseline
▲ 0.50% · 4.625%
HK$59,294
+HK$3,401/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,786/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,511
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,080
−HK$1,592/mo
Today · 4.125%
HK$61,672
baseline
▲ 0.50% · 4.625%
HK$64,923
+HK$3,251/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,344/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,622
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,725
−HK$2,137/mo
Today · 4.125%
HK$71,862
baseline
▲ 0.50% · 4.625%
HK$76,235
+HK$4,373/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,724/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,228
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,246
−HK$2,047/mo
Today · 4.125%
HK$79,293
baseline
▲ 0.50% · 4.625%
HK$83,472
+HK$4,179/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,586/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,818 · Scale 2, in force from 26 Feb 2026)