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$37,566
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,734
−HK$1,187/mo
Today · 4.125%
HK$39,921
baseline
▲ 0.50% · 4.625%
HK$42,350
+HK$2,429/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,842/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,791
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,912
−HK$1,137/mo
Today · 4.125%
HK$44,049
baseline
▲ 0.50% · 4.625%
HK$46,371
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,098/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,079
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,481
−HK$1,424/mo
Today · 4.125%
HK$47,905
baseline
▲ 0.50% · 4.625%
HK$50,820
+HK$2,915/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,810/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,150
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,495
−HK$1,364/mo
Today · 4.125%
HK$52,859
baseline
▲ 0.50% · 4.625%
HK$55,645
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,718/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,592
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,228
−HK$1,662/mo
Today · 4.125%
HK$55,890
baseline
▲ 0.50% · 4.625%
HK$59,290
+HK$3,400/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,780/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,508
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,077
−HK$1,592/mo
Today · 4.125%
HK$61,669
baseline
▲ 0.50% · 4.625%
HK$64,919
+HK$3,250/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,338/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,618
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,721
−HK$2,137/mo
Today · 4.125%
HK$71,858
baseline
▲ 0.50% · 4.625%
HK$76,231
+HK$4,373/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,716/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,224
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,242
−HK$2,046/mo
Today · 4.125%
HK$79,288
baseline
▲ 0.50% · 4.625%
HK$83,468
+HK$4,180/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,576/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,785 · Scale 2, in force from 26 Feb 2026)