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$37,591
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,760
−HK$1,188/mo
Today · 4.125%
HK$39,948
baseline
▲ 0.50% · 4.625%
HK$42,379
+HK$2,431/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,896/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,820
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,941
−HK$1,138/mo
Today · 4.125%
HK$44,079
baseline
▲ 0.50% · 4.625%
HK$46,402
+HK$2,323/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,158/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,109
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,512
−HK$1,426/mo
Today · 4.125%
HK$47,938
baseline
▲ 0.50% · 4.625%
HK$50,855
+HK$2,917/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,876/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,183
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,529
−HK$1,366/mo
Today · 4.125%
HK$52,895
baseline
▲ 0.50% · 4.625%
HK$55,683
+HK$2,788/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,790/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,627
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,264
−HK$1,664/mo
Today · 4.125%
HK$55,928
baseline
▲ 0.50% · 4.625%
HK$59,331
+HK$3,403/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,856/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,547
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,118
−HK$1,593/mo
Today · 4.125%
HK$61,711
baseline
▲ 0.50% · 4.625%
HK$64,963
+HK$3,252/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,422/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,664
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,768
−HK$2,139/mo
Today · 4.125%
HK$71,907
baseline
▲ 0.50% · 4.625%
HK$76,282
+HK$4,375/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,814/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,275
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,294
−HK$2,048/mo
Today · 4.125%
HK$79,342
baseline
▲ 0.50% · 4.625%
HK$83,524
+HK$4,182/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,684/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,203 · Scale 2, in force from 26 Feb 2026)