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$37,553
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,721
−HK$1,187/mo
Today · 4.125%
HK$39,908
baseline
▲ 0.50% · 4.625%
HK$42,336
+HK$2,428/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,816/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,777
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,898
−HK$1,137/mo
Today · 4.125%
HK$44,035
baseline
▲ 0.50% · 4.625%
HK$46,356
+HK$2,321/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,070/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,064
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,465
−HK$1,425/mo
Today · 4.125%
HK$47,890
baseline
▲ 0.50% · 4.625%
HK$50,804
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,780/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,133
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,477
−HK$1,364/mo
Today · 4.125%
HK$52,841
baseline
▲ 0.50% · 4.625%
HK$55,627
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,682/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,574
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,210
−HK$1,661/mo
Today · 4.125%
HK$55,871
baseline
▲ 0.50% · 4.625%
HK$59,271
+HK$3,400/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,742/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,488
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,057
−HK$1,591/mo
Today · 4.125%
HK$61,648
baseline
▲ 0.50% · 4.625%
HK$64,898
+HK$3,250/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,296/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,596
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,698
−HK$2,136/mo
Today · 4.125%
HK$71,834
baseline
▲ 0.50% · 4.625%
HK$76,205
+HK$4,371/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,668/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,199
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,216
−HK$2,046/mo
Today · 4.125%
HK$79,262
baseline
▲ 0.50% · 4.625%
HK$83,440
+HK$4,178/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,524/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,580 · Scale 2, in force from 26 Feb 2026)