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$37,598
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,767
−HK$1,188/mo
Today · 4.125%
HK$39,955
baseline
▲ 0.50% · 4.625%
HK$42,387
+HK$2,432/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,910/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,827
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,949
−HK$1,138/mo
Today · 4.125%
HK$44,087
baseline
▲ 0.50% · 4.625%
HK$46,411
+HK$2,324/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,174/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,117
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,521
−HK$1,426/mo
Today · 4.125%
HK$47,947
baseline
▲ 0.50% · 4.625%
HK$50,864
+HK$2,917/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$95,894/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,193
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,539
−HK$1,365/mo
Today · 4.125%
HK$52,904
baseline
▲ 0.50% · 4.625%
HK$55,693
+HK$2,789/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$105,808/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,637
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,274
−HK$1,664/mo
Today · 4.125%
HK$55,938
baseline
▲ 0.50% · 4.625%
HK$59,341
+HK$3,403/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,876/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,558
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,128
−HK$1,594/mo
Today · 4.125%
HK$61,722
baseline
▲ 0.50% · 4.625%
HK$64,975
+HK$3,253/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,444/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,676
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,781
−HK$2,139/mo
Today · 4.125%
HK$71,920
baseline
▲ 0.50% · 4.625%
HK$76,296
+HK$4,376/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,840/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,289
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,308
−HK$2,048/mo
Today · 4.125%
HK$79,356
baseline
▲ 0.50% · 4.625%
HK$83,539
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,712/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,315 · Scale 2, in force from 26 Feb 2026)