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$37,587
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,756
−HK$1,188/mo
Today · 4.125%
HK$39,944
baseline
▲ 0.50% · 4.625%
HK$42,375
+HK$2,431/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,888/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,815
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,937
−HK$1,137/mo
Today · 4.125%
HK$44,074
baseline
▲ 0.50% · 4.625%
HK$46,398
+HK$2,324/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,148/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,105
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,508
−HK$1,425/mo
Today · 4.125%
HK$47,933
baseline
▲ 0.50% · 4.625%
HK$50,850
+HK$2,917/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,866/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,178
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,524
−HK$1,365/mo
Today · 4.125%
HK$52,889
baseline
▲ 0.50% · 4.625%
HK$55,677
+HK$2,788/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,778/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,622
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,259
−HK$1,663/mo
Today · 4.125%
HK$55,922
baseline
▲ 0.50% · 4.625%
HK$59,325
+HK$3,403/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,844/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,541
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,111
−HK$1,593/mo
Today · 4.125%
HK$61,704
baseline
▲ 0.50% · 4.625%
HK$64,957
+HK$3,253/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,408/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,657
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,761
−HK$2,139/mo
Today · 4.125%
HK$71,900
baseline
▲ 0.50% · 4.625%
HK$76,274
+HK$4,374/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,800/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,268
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,286
−HK$2,048/mo
Today · 4.125%
HK$79,334
baseline
▲ 0.50% · 4.625%
HK$83,516
+HK$4,182/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,668/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,140 · Scale 2, in force from 26 Feb 2026)