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$37,535
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,702
−HK$1,186/mo
Today · 4.125%
HK$39,888
baseline
▲ 0.50% · 4.625%
HK$42,316
+HK$2,428/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,776/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,757
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,877
−HK$1,136/mo
Today · 4.125%
HK$44,013
baseline
▲ 0.50% · 4.625%
HK$46,333
+HK$2,320/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,026/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,042
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,443
−HK$1,423/mo
Today · 4.125%
HK$47,866
baseline
▲ 0.50% · 4.625%
HK$50,779
+HK$2,913/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$95,732/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,108
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,452
−HK$1,364/mo
Today · 4.125%
HK$52,816
baseline
▲ 0.50% · 4.625%
HK$55,600
+HK$2,784/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$105,632/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,549
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,183
−HK$1,661/mo
Today · 4.125%
HK$55,844
baseline
▲ 0.50% · 4.625%
HK$59,242
+HK$3,398/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,688/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,460
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,028
−HK$1,590/mo
Today · 4.125%
HK$61,618
baseline
▲ 0.50% · 4.625%
HK$64,866
+HK$3,248/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,236/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,562
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,664
−HK$2,135/mo
Today · 4.125%
HK$71,799
baseline
▲ 0.50% · 4.625%
HK$76,168
+HK$4,369/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,598/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,163
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,178
−HK$2,045/mo
Today · 4.125%
HK$79,223
baseline
▲ 0.50% · 4.625%
HK$83,399
+HK$4,176/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,446/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,278 · Scale 2, in force from 26 Feb 2026)