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$37,543
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,711
−HK$1,187/mo
Today · 4.125%
HK$39,898
baseline
▲ 0.50% · 4.625%
HK$42,325
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,796/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,766
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,887
−HK$1,136/mo
Today · 4.125%
HK$44,023
baseline
▲ 0.50% · 4.625%
HK$46,343
+HK$2,320/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,046/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,052
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,453
−HK$1,424/mo
Today · 4.125%
HK$47,877
baseline
▲ 0.50% · 4.625%
HK$50,790
+HK$2,913/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,754/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,120
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,464
−HK$1,364/mo
Today · 4.125%
HK$52,828
baseline
▲ 0.50% · 4.625%
HK$55,612
+HK$2,784/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,656/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,561
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,195
−HK$1,662/mo
Today · 4.125%
HK$55,857
baseline
▲ 0.50% · 4.625%
HK$59,255
+HK$3,398/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,714/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,473
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,041
−HK$1,591/mo
Today · 4.125%
HK$61,632
baseline
▲ 0.50% · 4.625%
HK$64,881
+HK$3,249/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,264/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,578
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,680
−HK$2,136/mo
Today · 4.125%
HK$71,816
baseline
▲ 0.50% · 4.625%
HK$76,185
+HK$4,369/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,632/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,180
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,196
−HK$2,045/mo
Today · 4.125%
HK$79,241
baseline
▲ 0.50% · 4.625%
HK$83,418
+HK$4,177/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,482/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,418 · Scale 2, in force from 26 Feb 2026)