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$37,531
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,699
−HK$1,186/mo
Today · 4.125%
HK$39,885
baseline
▲ 0.50% · 4.625%
HK$42,312
+HK$2,427/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,770/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,753
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,873
−HK$1,136/mo
Today · 4.125%
HK$44,009
baseline
▲ 0.50% · 4.625%
HK$46,329
+HK$2,320/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,018/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,038
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,438
−HK$1,424/mo
Today · 4.125%
HK$47,862
baseline
▲ 0.50% · 4.625%
HK$50,774
+HK$2,912/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$95,724/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,104
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,448
−HK$1,363/mo
Today · 4.125%
HK$52,811
baseline
▲ 0.50% · 4.625%
HK$55,595
+HK$2,784/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$105,622/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,544
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,178
−HK$1,661/mo
Today · 4.125%
HK$55,839
baseline
▲ 0.50% · 4.625%
HK$59,236
+HK$3,397/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,678/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,454
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,022
−HK$1,591/mo
Today · 4.125%
HK$61,613
baseline
▲ 0.50% · 4.625%
HK$64,860
+HK$3,247/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,226/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$617,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,556
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,658
−HK$2,135/mo
Today · 4.125%
HK$71,793
baseline
▲ 0.50% · 4.625%
HK$76,161
+HK$4,368/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,586/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,156
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,171
−HK$2,045/mo
Today · 4.125%
HK$79,216
baseline
▲ 0.50% · 4.625%
HK$83,392
+HK$4,176/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,432/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,222 · Scale 2, in force from 26 Feb 2026)