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$37,597
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,767
−HK$1,188/mo
Today · 4.125%
HK$39,955
baseline
▲ 0.50% · 4.625%
HK$42,386
+HK$2,431/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,910/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,827
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,949
−HK$1,138/mo
Today · 4.125%
HK$44,087
baseline
▲ 0.50% · 4.625%
HK$46,410
+HK$2,323/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,174/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,117
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,520
−HK$1,426/mo
Today · 4.125%
HK$47,946
baseline
▲ 0.50% · 4.625%
HK$50,864
+HK$2,918/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$95,892/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,192
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,538
−HK$1,366/mo
Today · 4.125%
HK$52,904
baseline
▲ 0.50% · 4.625%
HK$55,692
+HK$2,788/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$105,808/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,636
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,274
−HK$1,663/mo
Today · 4.125%
HK$55,937
baseline
▲ 0.50% · 4.625%
HK$59,341
+HK$3,404/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,874/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,557
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,128
−HK$1,593/mo
Today · 4.125%
HK$61,721
baseline
▲ 0.50% · 4.625%
HK$64,975
+HK$3,254/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,442/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,675
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,780
−HK$2,139/mo
Today · 4.125%
HK$71,919
baseline
▲ 0.50% · 4.625%
HK$76,295
+HK$4,376/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,838/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,288
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,307
−HK$2,049/mo
Today · 4.125%
HK$79,356
baseline
▲ 0.50% · 4.625%
HK$83,539
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,712/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,310 · Scale 2, in force from 26 Feb 2026)