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$37,573
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,742
−HK$1,187/mo
Today · 4.125%
HK$39,929
baseline
▲ 0.50% · 4.625%
HK$42,359
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,858/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,800
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,921
−HK$1,137/mo
Today · 4.125%
HK$44,058
baseline
▲ 0.50% · 4.625%
HK$46,380
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,116/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,088
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,490
−HK$1,425/mo
Today · 4.125%
HK$47,915
baseline
▲ 0.50% · 4.625%
HK$50,831
+HK$2,916/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,830/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,160
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,505
−HK$1,365/mo
Today · 4.125%
HK$52,870
baseline
▲ 0.50% · 4.625%
HK$55,656
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,740/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,602
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,239
−HK$1,662/mo
Today · 4.125%
HK$55,901
baseline
▲ 0.50% · 4.625%
HK$59,302
+HK$3,401/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,802/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,520
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,089
−HK$1,592/mo
Today · 4.125%
HK$61,681
baseline
▲ 0.50% · 4.625%
HK$64,933
+HK$3,252/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,362/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,632
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,735
−HK$2,138/mo
Today · 4.125%
HK$71,873
baseline
▲ 0.50% · 4.625%
HK$76,246
+HK$4,373/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,746/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,239
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,257
−HK$2,047/mo
Today · 4.125%
HK$79,304
baseline
▲ 0.50% · 4.625%
HK$83,485
+HK$4,181/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,608/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,910 · Scale 2, in force from 26 Feb 2026)