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$37,532
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,699
−HK$1,186/mo
Today · 4.125%
HK$39,885
baseline
▲ 0.50% · 4.625%
HK$42,312
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,770/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,754
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,874
−HK$1,136/mo
Today · 4.125%
HK$44,010
baseline
▲ 0.50% · 4.625%
HK$46,330
+HK$2,320/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,020/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,038
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,439
−HK$1,424/mo
Today · 4.125%
HK$47,863
baseline
▲ 0.50% · 4.625%
HK$50,775
+HK$2,912/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$95,726/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,105
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,448
−HK$1,364/mo
Today · 4.125%
HK$52,812
baseline
▲ 0.50% · 4.625%
HK$55,595
+HK$2,783/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$105,624/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,545
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,179
−HK$1,661/mo
Today · 4.125%
HK$55,840
baseline
▲ 0.50% · 4.625%
HK$59,237
+HK$3,397/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,680/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,455
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,023
−HK$1,591/mo
Today · 4.125%
HK$61,614
baseline
▲ 0.50% · 4.625%
HK$64,861
+HK$3,247/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,228/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,557
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,659
−HK$2,135/mo
Today · 4.125%
HK$71,794
baseline
▲ 0.50% · 4.625%
HK$76,162
+HK$4,368/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,588/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,157
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,173
−HK$2,044/mo
Today · 4.125%
HK$79,217
baseline
▲ 0.50% · 4.625%
HK$83,393
+HK$4,176/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,434/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,232 · Scale 2, in force from 26 Feb 2026)