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$38,725
−HK$1,187/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$617,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,782
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,902
−HK$1,137/mo
Today · 4.125%
HK$44,039
baseline
▲ 0.50% · 4.625%
HK$46,360
+HK$2,321/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$617,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,068
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,470
−HK$1,424/mo
Today · 4.125%
HK$47,894
baseline
▲ 0.50% · 4.625%
HK$50,809
+HK$2,915/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,788/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,138
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,483
−HK$1,364/mo
Today · 4.125%
HK$52,847
baseline
▲ 0.50% · 4.625%
HK$55,632
+HK$2,785/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$617,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,580
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,215
−HK$1,662/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$617,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,494
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,063
−HK$1,592/mo
Today · 4.125%
HK$61,655
baseline
▲ 0.50% · 4.625%
HK$64,904
+HK$3,249/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$617,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,602
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,705
−HK$2,137/mo
Today · 4.125%
HK$71,842
baseline
▲ 0.50% · 4.625%
HK$76,213
+HK$4,371/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$617,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,207
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,224
−HK$2,046/mo
Today · 4.125%
HK$79,270
baseline
▲ 0.50% · 4.625%
HK$83,449
+HK$4,179/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,540/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,642 · Scale 2, in force from 26 Feb 2026)