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$37,538
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,706
−HK$1,186/mo
Today · 4.125%
HK$39,892
baseline
▲ 0.50% · 4.625%
HK$42,319
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,784/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,761
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,881
−HK$1,136/mo
Today · 4.125%
HK$44,017
baseline
▲ 0.50% · 4.625%
HK$46,337
+HK$2,320/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,034/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,046
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,447
−HK$1,423/mo
Today · 4.125%
HK$47,870
baseline
▲ 0.50% · 4.625%
HK$50,783
+HK$2,913/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$95,740/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,113
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,457
−HK$1,363/mo
Today · 4.125%
HK$52,820
baseline
▲ 0.50% · 4.625%
HK$55,604
+HK$2,784/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$105,640/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,553
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,188
−HK$1,661/mo
Today · 4.125%
HK$55,849
baseline
▲ 0.50% · 4.625%
HK$59,247
+HK$3,398/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,698/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,465
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,033
−HK$1,590/mo
Today · 4.125%
HK$61,623
baseline
▲ 0.50% · 4.625%
HK$64,872
+HK$3,249/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,246/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,568
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,670
−HK$2,135/mo
Today · 4.125%
HK$71,805
baseline
▲ 0.50% · 4.625%
HK$76,175
+HK$4,370/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,610/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,169
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,185
−HK$2,045/mo
Today · 4.125%
HK$79,230
baseline
▲ 0.50% · 4.625%
HK$83,407
+HK$4,177/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,460/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,331 · Scale 2, in force from 26 Feb 2026)