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$37,568
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,737
−HK$1,187/mo
Today · 4.125%
HK$39,924
baseline
▲ 0.50% · 4.625%
HK$42,354
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,848/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,794
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,915
−HK$1,137/mo
Today · 4.125%
HK$44,052
baseline
▲ 0.50% · 4.625%
HK$46,374
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,104/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,082
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,484
−HK$1,425/mo
Today · 4.125%
HK$47,909
baseline
▲ 0.50% · 4.625%
HK$50,824
+HK$2,915/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,818/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,153
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,498
−HK$1,365/mo
Today · 4.125%
HK$52,863
baseline
▲ 0.50% · 4.625%
HK$55,649
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,726/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,596
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,232
−HK$1,662/mo
Today · 4.125%
HK$55,894
baseline
▲ 0.50% · 4.625%
HK$59,295
+HK$3,401/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,788/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,512
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,081
−HK$1,592/mo
Today · 4.125%
HK$61,673
baseline
▲ 0.50% · 4.625%
HK$64,924
+HK$3,251/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,346/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,623
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,726
−HK$2,138/mo
Today · 4.125%
HK$71,864
baseline
▲ 0.50% · 4.625%
HK$76,236
+HK$4,372/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,728/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,230
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,248
−HK$2,046/mo
Today · 4.125%
HK$79,294
baseline
▲ 0.50% · 4.625%
HK$83,474
+HK$4,180/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,588/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,831 · Scale 2, in force from 26 Feb 2026)