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$37,575
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,743
−HK$1,188/mo
Today · 4.125%
HK$39,931
baseline
▲ 0.50% · 4.625%
HK$42,360
+HK$2,429/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,862/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,801
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,922
−HK$1,138/mo
Today · 4.125%
HK$44,060
baseline
▲ 0.50% · 4.625%
HK$46,382
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,120/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,089
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,492
−HK$1,425/mo
Today · 4.125%
HK$47,917
baseline
▲ 0.50% · 4.625%
HK$50,833
+HK$2,916/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,834/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,162
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,507
−HK$1,365/mo
Today · 4.125%
HK$52,872
baseline
▲ 0.50% · 4.625%
HK$55,659
+HK$2,787/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,744/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,604
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,241
−HK$1,662/mo
Today · 4.125%
HK$55,903
baseline
▲ 0.50% · 4.625%
HK$59,305
+HK$3,402/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,806/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,522
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,091
−HK$1,593/mo
Today · 4.125%
HK$61,684
baseline
▲ 0.50% · 4.625%
HK$64,935
+HK$3,251/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,368/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,634
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,738
−HK$2,137/mo
Today · 4.125%
HK$71,875
baseline
▲ 0.50% · 4.625%
HK$76,249
+HK$4,374/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,750/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,242
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,260
−HK$2,047/mo
Today · 4.125%
HK$79,307
baseline
▲ 0.50% · 4.625%
HK$83,488
+HK$4,181/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,614/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,933 · Scale 2, in force from 26 Feb 2026)