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$37,577
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,746
−HK$1,187/mo
Today · 4.125%
HK$39,933
baseline
▲ 0.50% · 4.625%
HK$42,363
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,866/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,804
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,925
−HK$1,137/mo
Today · 4.125%
HK$44,062
baseline
▲ 0.50% · 4.625%
HK$46,385
+HK$2,323/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,124/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,092
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,495
−HK$1,425/mo
Today · 4.125%
HK$47,920
baseline
▲ 0.50% · 4.625%
HK$50,835
+HK$2,915/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,840/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,164
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,510
−HK$1,365/mo
Today · 4.125%
HK$52,875
baseline
▲ 0.50% · 4.625%
HK$55,662
+HK$2,787/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,750/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,607
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,244
−HK$1,662/mo
Today · 4.125%
HK$55,906
baseline
▲ 0.50% · 4.625%
HK$59,308
+HK$3,402/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$111,812/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,525
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,095
−HK$1,592/mo
Today · 4.125%
HK$61,687
baseline
▲ 0.50% · 4.625%
HK$64,939
+HK$3,252/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$123,374/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,638
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,742
−HK$2,138/mo
Today · 4.125%
HK$71,880
baseline
▲ 0.50% · 4.625%
HK$76,253
+HK$4,373/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,760/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,247
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,265
−HK$2,047/mo
Today · 4.125%
HK$79,312
baseline
▲ 0.50% · 4.625%
HK$83,493
+HK$4,181/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,624/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,968 · Scale 2, in force from 26 Feb 2026)