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$37,598
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,768
−HK$1,188/mo
Today · 4.125%
HK$39,956
baseline
▲ 0.50% · 4.625%
HK$42,387
+HK$2,431/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,912/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,828
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,949
−HK$1,138/mo
Today · 4.125%
HK$44,087
baseline
▲ 0.50% · 4.625%
HK$46,411
+HK$2,324/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,174/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,118
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,521
−HK$1,426/mo
Today · 4.125%
HK$47,947
baseline
▲ 0.50% · 4.625%
HK$50,865
+HK$2,918/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$95,894/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,193
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,539
−HK$1,366/mo
Today · 4.125%
HK$52,905
baseline
▲ 0.50% · 4.625%
HK$55,694
+HK$2,789/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$105,810/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,638
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,275
−HK$1,663/mo
Today · 4.125%
HK$55,938
baseline
▲ 0.50% · 4.625%
HK$59,342
+HK$3,404/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,876/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,559
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,129
−HK$1,593/mo
Today · 4.125%
HK$61,722
baseline
▲ 0.50% · 4.625%
HK$64,976
+HK$3,254/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,444/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,677
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,782
−HK$2,139/mo
Today · 4.125%
HK$71,921
baseline
▲ 0.50% · 4.625%
HK$76,297
+HK$4,376/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,842/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,290
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,309
−HK$2,048/mo
Today · 4.125%
HK$79,357
baseline
▲ 0.50% · 4.625%
HK$83,540
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,714/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,323 · Scale 2, in force from 26 Feb 2026)