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$37,586
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,755
−HK$1,188/mo
Today · 4.125%
HK$39,943
baseline
▲ 0.50% · 4.625%
HK$42,374
+HK$2,431/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,886/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,814
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,936
−HK$1,137/mo
Today · 4.125%
HK$44,073
baseline
▲ 0.50% · 4.625%
HK$46,397
+HK$2,324/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,146/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,104
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,506
−HK$1,426/mo
Today · 4.125%
HK$47,932
baseline
▲ 0.50% · 4.625%
HK$50,848
+HK$2,916/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,864/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,177
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,523
−HK$1,365/mo
Today · 4.125%
HK$52,888
baseline
▲ 0.50% · 4.625%
HK$55,676
+HK$2,788/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,776/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,621
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,258
−HK$1,663/mo
Today · 4.125%
HK$55,921
baseline
▲ 0.50% · 4.625%
HK$59,323
+HK$3,402/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,842/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,540
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,110
−HK$1,593/mo
Today · 4.125%
HK$61,703
baseline
▲ 0.50% · 4.625%
HK$64,955
+HK$3,252/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,406/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,655
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,760
−HK$2,138/mo
Today · 4.125%
HK$71,898
baseline
▲ 0.50% · 4.625%
HK$76,273
+HK$4,375/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,796/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,266
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,284
−HK$2,048/mo
Today · 4.125%
HK$79,332
baseline
▲ 0.50% · 4.625%
HK$83,514
+HK$4,182/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,664/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,126 · Scale 2, in force from 26 Feb 2026)