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$37,556
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,725
−HK$1,186/mo
Today · 4.125%
HK$39,911
baseline
▲ 0.50% · 4.625%
HK$42,340
+HK$2,429/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,822/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,781
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,902
−HK$1,136/mo
Today · 4.125%
HK$44,038
baseline
▲ 0.50% · 4.625%
HK$46,360
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,076/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,068
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,469
−HK$1,425/mo
Today · 4.125%
HK$47,894
baseline
▲ 0.50% · 4.625%
HK$50,808
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,788/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,137
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,482
−HK$1,364/mo
Today · 4.125%
HK$52,846
baseline
▲ 0.50% · 4.625%
HK$55,632
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,692/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,579
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,214
−HK$1,662/mo
Today · 4.125%
HK$55,876
baseline
▲ 0.50% · 4.625%
HK$59,276
+HK$3,400/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,752/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,493
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,062
−HK$1,592/mo
Today · 4.125%
HK$61,654
baseline
▲ 0.50% · 4.625%
HK$64,903
+HK$3,249/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,308/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,601
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,704
−HK$2,137/mo
Today · 4.125%
HK$71,841
baseline
▲ 0.50% · 4.625%
HK$76,212
+HK$4,371/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,682/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,206
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,223
−HK$2,046/mo
Today · 4.125%
HK$79,269
baseline
▲ 0.50% · 4.625%
HK$83,447
+HK$4,178/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,538/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,633 · Scale 2, in force from 26 Feb 2026)