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$37,529
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,697
−HK$1,186/mo
Today · 4.125%
HK$39,883
baseline
▲ 0.50% · 4.625%
HK$42,310
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,766/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,751
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,871
−HK$1,136/mo
Today · 4.125%
HK$44,007
baseline
▲ 0.50% · 4.625%
HK$46,326
+HK$2,319/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,014/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,035
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,436
−HK$1,423/mo
Today · 4.125%
HK$47,859
baseline
▲ 0.50% · 4.625%
HK$50,771
+HK$2,912/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$95,718/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,101
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,445
−HK$1,363/mo
Today · 4.125%
HK$52,808
baseline
▲ 0.50% · 4.625%
HK$55,592
+HK$2,784/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$105,616/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,541
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,175
−HK$1,661/mo
Today · 4.125%
HK$55,836
baseline
▲ 0.50% · 4.625%
HK$59,233
+HK$3,397/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,672/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,451
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,019
−HK$1,590/mo
Today · 4.125%
HK$61,609
baseline
▲ 0.50% · 4.625%
HK$64,857
+HK$3,248/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,218/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,553
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,654
−HK$2,135/mo
Today · 4.125%
HK$71,789
baseline
▲ 0.50% · 4.625%
HK$76,157
+HK$4,368/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,578/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,152
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,167
−HK$2,045/mo
Today · 4.125%
HK$79,212
baseline
▲ 0.50% · 4.625%
HK$83,387
+HK$4,175/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,424/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,190 · Scale 2, in force from 26 Feb 2026)