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$37,600
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,769
−HK$1,189/mo
Today · 4.125%
HK$39,958
baseline
▲ 0.50% · 4.625%
HK$42,389
+HK$2,431/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,916/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,829
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,951
−HK$1,138/mo
Today · 4.125%
HK$44,089
baseline
▲ 0.50% · 4.625%
HK$46,413
+HK$2,324/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,178/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,120
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,523
−HK$1,426/mo
Today · 4.125%
HK$47,949
baseline
▲ 0.50% · 4.625%
HK$50,867
+HK$2,918/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$95,898/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,195
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,541
−HK$1,366/mo
Today · 4.125%
HK$52,907
baseline
▲ 0.50% · 4.625%
HK$55,696
+HK$2,789/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$105,814/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,640
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,277
−HK$1,664/mo
Today · 4.125%
HK$55,941
baseline
▲ 0.50% · 4.625%
HK$59,345
+HK$3,404/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,882/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,561
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,132
−HK$1,593/mo
Today · 4.125%
HK$61,725
baseline
▲ 0.50% · 4.625%
HK$64,979
+HK$3,254/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,450/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,680
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,785
−HK$2,139/mo
Today · 4.125%
HK$71,924
baseline
▲ 0.50% · 4.625%
HK$76,300
+HK$4,376/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,848/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,293
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,312
−HK$2,049/mo
Today · 4.125%
HK$79,361
baseline
▲ 0.50% · 4.625%
HK$83,544
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,722/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,348 · Scale 2, in force from 26 Feb 2026)