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$37,557
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,726
−HK$1,186/mo
Today · 4.125%
HK$39,912
baseline
▲ 0.50% · 4.625%
HK$42,341
+HK$2,429/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,824/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,782
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,903
−HK$1,136/mo
Today · 4.125%
HK$44,039
baseline
▲ 0.50% · 4.625%
HK$46,361
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,078/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,069
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,471
−HK$1,424/mo
Today · 4.125%
HK$47,895
baseline
▲ 0.50% · 4.625%
HK$50,809
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,790/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,139
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,483
−HK$1,364/mo
Today · 4.125%
HK$52,847
baseline
▲ 0.50% · 4.625%
HK$55,633
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,694/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,580
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,216
−HK$1,661/mo
Today · 4.125%
HK$55,877
baseline
▲ 0.50% · 4.625%
HK$59,277
+HK$3,400/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,754/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,495
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,064
−HK$1,591/mo
Today · 4.125%
HK$61,655
baseline
▲ 0.50% · 4.625%
HK$64,905
+HK$3,250/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,310/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,603
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,706
−HK$2,136/mo
Today · 4.125%
HK$71,842
baseline
▲ 0.50% · 4.625%
HK$76,214
+HK$4,372/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,684/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,208
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,225
−HK$2,046/mo
Today · 4.125%
HK$79,271
baseline
▲ 0.50% · 4.625%
HK$83,450
+HK$4,179/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,542/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,650 · Scale 2, in force from 26 Feb 2026)