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$37,548
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,716
−HK$1,187/mo
Today · 4.125%
HK$39,903
baseline
▲ 0.50% · 4.625%
HK$42,330
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,806/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,772
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,892
−HK$1,136/mo
Today · 4.125%
HK$44,028
baseline
▲ 0.50% · 4.625%
HK$46,349
+HK$2,321/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,056/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,058
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,459
−HK$1,424/mo
Today · 4.125%
HK$47,883
baseline
▲ 0.50% · 4.625%
HK$50,797
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,766/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,126
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,470
−HK$1,364/mo
Today · 4.125%
HK$52,834
baseline
▲ 0.50% · 4.625%
HK$55,619
+HK$2,785/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,668/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,567
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,202
−HK$1,662/mo
Today · 4.125%
HK$55,864
baseline
▲ 0.50% · 4.625%
HK$59,263
+HK$3,399/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,728/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,480
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,049
−HK$1,591/mo
Today · 4.125%
HK$61,640
baseline
▲ 0.50% · 4.625%
HK$64,889
+HK$3,249/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,280/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,586
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,689
−HK$2,136/mo
Today · 4.125%
HK$71,825
baseline
▲ 0.50% · 4.625%
HK$76,195
+HK$4,370/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,650/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,189
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,206
−HK$2,045/mo
Today · 4.125%
HK$79,251
baseline
▲ 0.50% · 4.625%
HK$83,429
+HK$4,178/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,502/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,496 · Scale 2, in force from 26 Feb 2026)