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$37,577
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,746
−HK$1,188/mo
Today · 4.125%
HK$39,934
baseline
▲ 0.50% · 4.625%
HK$42,364
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,868/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,804
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,925
−HK$1,138/mo
Today · 4.125%
HK$44,063
baseline
▲ 0.50% · 4.625%
HK$46,385
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,126/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$617,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,093
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,495
−HK$1,425/mo
Today · 4.125%
HK$47,920
baseline
▲ 0.50% · 4.625%
HK$50,836
+HK$2,916/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,840/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,165
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,511
−HK$1,364/mo
Today · 4.125%
HK$52,875
baseline
▲ 0.50% · 4.625%
HK$55,663
+HK$2,788/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,750/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,608
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,245
−HK$1,662/mo
Today · 4.125%
HK$55,907
baseline
▲ 0.50% · 4.625%
HK$59,309
+HK$3,402/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$111,814/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,526
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,096
−HK$1,592/mo
Today · 4.125%
HK$61,688
baseline
▲ 0.50% · 4.625%
HK$64,940
+HK$3,252/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$123,376/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,639
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,743
−HK$2,138/mo
Today · 4.125%
HK$71,881
baseline
▲ 0.50% · 4.625%
HK$76,254
+HK$4,373/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,762/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,248
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,266
−HK$2,047/mo
Today · 4.125%
HK$79,313
baseline
▲ 0.50% · 4.625%
HK$83,494
+HK$4,181/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,626/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,977 · Scale 2, in force from 26 Feb 2026)