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$37,564
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,733
−HK$1,187/mo
Today · 4.125%
HK$39,920
baseline
▲ 0.50% · 4.625%
HK$42,349
+HK$2,429/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,840/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,790
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,911
−HK$1,137/mo
Today · 4.125%
HK$44,048
baseline
▲ 0.50% · 4.625%
HK$46,369
+HK$2,321/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,096/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,077
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,479
−HK$1,425/mo
Today · 4.125%
HK$47,904
baseline
▲ 0.50% · 4.625%
HK$50,819
+HK$2,915/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,808/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,148
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,493
−HK$1,364/mo
Today · 4.125%
HK$52,857
baseline
▲ 0.50% · 4.625%
HK$55,643
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,714/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,590
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,226
−HK$1,662/mo
Today · 4.125%
HK$55,888
baseline
▲ 0.50% · 4.625%
HK$59,288
+HK$3,400/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,776/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,506
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,075
−HK$1,592/mo
Today · 4.125%
HK$61,667
baseline
▲ 0.50% · 4.625%
HK$64,917
+HK$3,250/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,334/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,616
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,719
−HK$2,137/mo
Today · 4.125%
HK$71,856
baseline
▲ 0.50% · 4.625%
HK$76,228
+HK$4,372/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,712/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,222
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,239
−HK$2,047/mo
Today · 4.125%
HK$79,286
baseline
▲ 0.50% · 4.625%
HK$83,465
+HK$4,179/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,572/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,763 · Scale 2, in force from 26 Feb 2026)