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$37,595
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,765
−HK$1,188/mo
Today · 4.125%
HK$39,953
baseline
▲ 0.50% · 4.625%
HK$42,384
+HK$2,431/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,906/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,825
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,946
−HK$1,138/mo
Today · 4.125%
HK$44,084
baseline
▲ 0.50% · 4.625%
HK$46,408
+HK$2,324/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,168/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,115
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,518
−HK$1,426/mo
Today · 4.125%
HK$47,944
baseline
▲ 0.50% · 4.625%
HK$50,861
+HK$2,917/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,888/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,190
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,536
−HK$1,365/mo
Today · 4.125%
HK$52,901
baseline
▲ 0.50% · 4.625%
HK$55,690
+HK$2,789/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,802/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,634
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,271
−HK$1,663/mo
Today · 4.125%
HK$55,934
baseline
▲ 0.50% · 4.625%
HK$59,338
+HK$3,404/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,868/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,554
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,125
−HK$1,593/mo
Today · 4.125%
HK$61,718
baseline
▲ 0.50% · 4.625%
HK$64,971
+HK$3,253/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,436/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,672
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,777
−HK$2,138/mo
Today · 4.125%
HK$71,915
baseline
▲ 0.50% · 4.625%
HK$76,291
+HK$4,376/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,830/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,284
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,303
−HK$2,049/mo
Today · 4.125%
HK$79,352
baseline
▲ 0.50% · 4.625%
HK$83,534
+HK$4,182/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,704/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,278 · Scale 2, in force from 26 Feb 2026)