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$37,564
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,732
−HK$1,188/mo
Today · 4.125%
HK$39,920
baseline
▲ 0.50% · 4.625%
HK$42,349
+HK$2,429/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,840/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,790
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,910
−HK$1,137/mo
Today · 4.125%
HK$44,047
baseline
▲ 0.50% · 4.625%
HK$46,369
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,094/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,077
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,479
−HK$1,425/mo
Today · 4.125%
HK$47,904
baseline
▲ 0.50% · 4.625%
HK$50,818
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,808/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,147
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,492
−HK$1,365/mo
Today · 4.125%
HK$52,857
baseline
▲ 0.50% · 4.625%
HK$55,643
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,714/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,590
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,225
−HK$1,662/mo
Today · 4.125%
HK$55,887
baseline
▲ 0.50% · 4.625%
HK$59,288
+HK$3,401/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,774/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,505
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,074
−HK$1,592/mo
Today · 4.125%
HK$61,666
baseline
▲ 0.50% · 4.625%
HK$64,917
+HK$3,251/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,332/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,615
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,718
−HK$2,137/mo
Today · 4.125%
HK$71,855
baseline
▲ 0.50% · 4.625%
HK$76,228
+HK$4,373/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,710/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,221
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,239
−HK$2,046/mo
Today · 4.125%
HK$79,285
baseline
▲ 0.50% · 4.625%
HK$83,464
+HK$4,179/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,570/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,760 · Scale 2, in force from 26 Feb 2026)