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$37,525
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,692
−HK$1,186/mo
Today · 4.125%
HK$39,878
baseline
▲ 0.50% · 4.625%
HK$42,305
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,756/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,746
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,866
−HK$1,136/mo
Today · 4.125%
HK$44,002
baseline
▲ 0.50% · 4.625%
HK$46,321
+HK$2,319/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,004/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,030
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,431
−HK$1,423/mo
Today · 4.125%
HK$47,854
baseline
▲ 0.50% · 4.625%
HK$50,766
+HK$2,912/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,708/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,096
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,439
−HK$1,363/mo
Today · 4.125%
HK$52,802
baseline
▲ 0.50% · 4.625%
HK$55,585
+HK$2,783/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,604/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,535
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,169
−HK$1,661/mo
Today · 4.125%
HK$55,830
baseline
▲ 0.50% · 4.625%
HK$59,227
+HK$3,397/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,660/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,445
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$60,012
−HK$1,590/mo
Today · 4.125%
HK$61,602
baseline
▲ 0.50% · 4.625%
HK$64,850
+HK$3,248/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,204/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,545
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,646
−HK$2,135/mo
Today · 4.125%
HK$71,781
baseline
▲ 0.50% · 4.625%
HK$76,149
+HK$4,368/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,562/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,143
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,159
−HK$2,044/mo
Today · 4.125%
HK$79,203
baseline
▲ 0.50% · 4.625%
HK$83,378
+HK$4,175/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,406/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,121 · Scale 2, in force from 26 Feb 2026)