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$37,578
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,747
−HK$1,188/mo
Today · 4.125%
HK$39,935
baseline
▲ 0.50% · 4.625%
HK$42,365
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,870/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,805
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,927
−HK$1,137/mo
Today · 4.125%
HK$44,064
baseline
▲ 0.50% · 4.625%
HK$46,387
+HK$2,323/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,128/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,094
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,497
−HK$1,425/mo
Today · 4.125%
HK$47,922
baseline
▲ 0.50% · 4.625%
HK$50,838
+HK$2,916/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,844/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,166
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,512
−HK$1,365/mo
Today · 4.125%
HK$52,877
baseline
▲ 0.50% · 4.625%
HK$55,664
+HK$2,787/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,754/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,610
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,246
−HK$1,663/mo
Today · 4.125%
HK$55,909
baseline
▲ 0.50% · 4.625%
HK$59,311
+HK$3,402/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$111,818/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,528
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,097
−HK$1,593/mo
Today · 4.125%
HK$61,690
baseline
▲ 0.50% · 4.625%
HK$64,941
+HK$3,251/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$123,380/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,641
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,745
−HK$2,137/mo
Today · 4.125%
HK$71,882
baseline
▲ 0.50% · 4.625%
HK$76,256
+HK$4,374/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,764/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,250
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,268
−HK$2,047/mo
Today · 4.125%
HK$79,315
baseline
▲ 0.50% · 4.625%
HK$83,496
+HK$4,181/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,630/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,994 · Scale 2, in force from 26 Feb 2026)