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$37,572
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,740
−HK$1,188/mo
Today · 4.125%
HK$39,928
baseline
▲ 0.50% · 4.625%
HK$42,357
+HK$2,429/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,856/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,798
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,919
−HK$1,137/mo
Today · 4.125%
HK$44,056
baseline
▲ 0.50% · 4.625%
HK$46,378
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,112/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,086
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,488
−HK$1,425/mo
Today · 4.125%
HK$47,913
baseline
▲ 0.50% · 4.625%
HK$50,829
+HK$2,916/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,826/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,158
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,503
−HK$1,364/mo
Today · 4.125%
HK$52,867
baseline
▲ 0.50% · 4.625%
HK$55,654
+HK$2,787/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,734/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,600
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,236
−HK$1,663/mo
Today · 4.125%
HK$55,899
baseline
▲ 0.50% · 4.625%
HK$59,300
+HK$3,401/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,798/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,517
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,087
−HK$1,592/mo
Today · 4.125%
HK$61,679
baseline
▲ 0.50% · 4.625%
HK$64,930
+HK$3,251/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,358/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,629
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,733
−HK$2,137/mo
Today · 4.125%
HK$71,870
baseline
▲ 0.50% · 4.625%
HK$76,243
+HK$4,373/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,740/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,236
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,254
−HK$2,047/mo
Today · 4.125%
HK$79,301
baseline
▲ 0.50% · 4.625%
HK$83,481
+HK$4,180/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,602/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,885 · Scale 2, in force from 26 Feb 2026)