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$37,556
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,724
−HK$1,187/mo
Today · 4.125%
HK$39,911
baseline
▲ 0.50% · 4.625%
HK$42,339
+HK$2,428/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,822/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,780
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,901
−HK$1,137/mo
Today · 4.125%
HK$44,038
baseline
▲ 0.50% · 4.625%
HK$46,359
+HK$2,321/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,076/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,067
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,469
−HK$1,424/mo
Today · 4.125%
HK$47,893
baseline
▲ 0.50% · 4.625%
HK$50,807
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,786/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,136
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,481
−HK$1,364/mo
Today · 4.125%
HK$52,845
baseline
▲ 0.50% · 4.625%
HK$55,631
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,690/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,578
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,213
−HK$1,662/mo
Today · 4.125%
HK$55,875
baseline
▲ 0.50% · 4.625%
HK$59,275
+HK$3,400/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,750/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,492
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,061
−HK$1,592/mo
Today · 4.125%
HK$61,653
baseline
▲ 0.50% · 4.625%
HK$64,902
+HK$3,249/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,306/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,600
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,703
−HK$2,136/mo
Today · 4.125%
HK$71,839
baseline
▲ 0.50% · 4.625%
HK$76,211
+HK$4,372/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,678/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,205
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,221
−HK$2,047/mo
Today · 4.125%
HK$79,268
baseline
▲ 0.50% · 4.625%
HK$83,446
+HK$4,178/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,536/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,623 · Scale 2, in force from 26 Feb 2026)