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$2,357/mo
▼ 0.25% · 3.875%
HK$38,764
−HK$1,188/mo
Today · 4.125%
HK$39,952
baseline
▲ 0.50% · 4.625%
HK$42,383
+HK$2,431/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,904/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,824
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,946
−HK$1,138/mo
Today · 4.125%
HK$44,084
baseline
▲ 0.50% · 4.625%
HK$46,407
+HK$2,323/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$618,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,114
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,517
−HK$1,426/mo
Today · 4.125%
HK$47,943
baseline
▲ 0.50% · 4.625%
HK$50,860
+HK$2,917/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,886/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,189
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,535
−HK$1,365/mo
Today · 4.125%
HK$52,900
baseline
▲ 0.50% · 4.625%
HK$55,689
+HK$2,789/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,800/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,633
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,270
−HK$1,663/mo
Today · 4.125%
HK$55,933
baseline
▲ 0.50% · 4.625%
HK$59,337
+HK$3,404/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,866/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,554
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,124
−HK$1,593/mo
Today · 4.125%
HK$61,717
baseline
▲ 0.50% · 4.625%
HK$64,970
+HK$3,253/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,434/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,671
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,776
−HK$2,138/mo
Today · 4.125%
HK$71,914
baseline
▲ 0.50% · 4.625%
HK$76,290
+HK$4,376/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,828/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,283
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,302
−HK$2,048/mo
Today · 4.125%
HK$79,350
baseline
▲ 0.50% · 4.625%
HK$83,533
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,700/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,268 · Scale 2, in force from 26 Feb 2026)