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$37,581
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,750
−HK$1,187/mo
Today · 4.125%
HK$39,937
baseline
▲ 0.50% · 4.625%
HK$42,367
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,874/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,808
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,929
−HK$1,138/mo
Today · 4.125%
HK$44,067
baseline
▲ 0.50% · 4.625%
HK$46,390
+HK$2,323/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,134/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,097
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,500
−HK$1,425/mo
Today · 4.125%
HK$47,925
baseline
▲ 0.50% · 4.625%
HK$50,841
+HK$2,916/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,850/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,170
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,515
−HK$1,365/mo
Today · 4.125%
HK$52,880
baseline
▲ 0.50% · 4.625%
HK$55,668
+HK$2,788/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,760/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,613
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,250
−HK$1,662/mo
Today · 4.125%
HK$55,912
baseline
▲ 0.50% · 4.625%
HK$59,314
+HK$3,402/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$111,824/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,531
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,101
−HK$1,593/mo
Today · 4.125%
HK$61,694
baseline
▲ 0.50% · 4.625%
HK$64,946
+HK$3,252/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$123,388/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,645
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,750
−HK$2,137/mo
Today · 4.125%
HK$71,887
baseline
▲ 0.50% · 4.625%
HK$76,261
+HK$4,374/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,774/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,255
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,273
−HK$2,048/mo
Today · 4.125%
HK$79,321
baseline
▲ 0.50% · 4.625%
HK$83,502
+HK$4,181/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,642/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,035 · Scale 2, in force from 26 Feb 2026)