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$37,574
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,743
−HK$1,187/mo
Today · 4.125%
HK$39,930
baseline
▲ 0.50% · 4.625%
HK$42,360
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,860/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,801
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,922
−HK$1,137/mo
Today · 4.125%
HK$44,059
baseline
▲ 0.50% · 4.625%
HK$46,381
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,118/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,089
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,491
−HK$1,425/mo
Today · 4.125%
HK$47,916
baseline
▲ 0.50% · 4.625%
HK$50,832
+HK$2,916/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,832/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,161
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,506
−HK$1,365/mo
Today · 4.125%
HK$52,871
baseline
▲ 0.50% · 4.625%
HK$55,658
+HK$2,787/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,742/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,604
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,240
−HK$1,662/mo
Today · 4.125%
HK$55,902
baseline
▲ 0.50% · 4.625%
HK$59,304
+HK$3,402/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,804/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,521
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,090
−HK$1,593/mo
Today · 4.125%
HK$61,683
baseline
▲ 0.50% · 4.625%
HK$64,934
+HK$3,251/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,366/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,633
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,737
−HK$2,137/mo
Today · 4.125%
HK$71,874
baseline
▲ 0.50% · 4.625%
HK$76,248
+HK$4,374/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,748/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,241
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,259
−HK$2,047/mo
Today · 4.125%
HK$79,306
baseline
▲ 0.50% · 4.625%
HK$83,487
+HK$4,181/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,612/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,924 · Scale 2, in force from 26 Feb 2026)