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$37,545
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,713
−HK$1,187/mo
Today · 4.125%
HK$39,900
baseline
▲ 0.50% · 4.625%
HK$42,327
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,800/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,769
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,889
−HK$1,136/mo
Today · 4.125%
HK$44,025
baseline
▲ 0.50% · 4.625%
HK$46,346
+HK$2,321/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,050/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,054
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,456
−HK$1,424/mo
Today · 4.125%
HK$47,880
baseline
▲ 0.50% · 4.625%
HK$50,793
+HK$2,913/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,760/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,122
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,467
−HK$1,363/mo
Today · 4.125%
HK$52,830
baseline
▲ 0.50% · 4.625%
HK$55,615
+HK$2,785/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,660/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,563
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,198
−HK$1,662/mo
Today · 4.125%
HK$55,860
baseline
▲ 0.50% · 4.625%
HK$59,258
+HK$3,398/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,720/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,476
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,045
−HK$1,591/mo
Today · 4.125%
HK$61,636
baseline
▲ 0.50% · 4.625%
HK$64,884
+HK$3,248/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,272/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,581
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,684
−HK$2,135/mo
Today · 4.125%
HK$71,819
baseline
▲ 0.50% · 4.625%
HK$76,189
+HK$4,370/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,638/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,184
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,200
−HK$2,046/mo
Today · 4.125%
HK$79,246
baseline
▲ 0.50% · 4.625%
HK$83,423
+HK$4,177/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,492/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,452 · Scale 2, in force from 26 Feb 2026)