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$37,363
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,525
−HK$1,181/mo
Today · 4.125%
HK$39,706
baseline
▲ 0.50% · 4.625%
HK$42,122
+HK$2,416/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,412/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,565
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,680
−HK$1,131/mo
Today · 4.125%
HK$43,811
baseline
▲ 0.50% · 4.625%
HK$46,120
+HK$2,309/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,622/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,835
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,230
−HK$1,417/mo
Today · 4.125%
HK$47,647
baseline
▲ 0.50% · 4.625%
HK$50,546
+HK$2,899/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,294/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,879
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,216
−HK$1,357/mo
Today · 4.125%
HK$52,573
baseline
▲ 0.50% · 4.625%
HK$55,345
+HK$2,772/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,146/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,308
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,935
−HK$1,653/mo
Today · 4.125%
HK$55,588
baseline
▲ 0.50% · 4.625%
HK$58,970
+HK$3,382/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$111,176/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,192
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,752
−HK$1,584/mo
Today · 4.125%
HK$61,336
baseline
▲ 0.50% · 4.625%
HK$64,569
+HK$3,233/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$122,672/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,253
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,345
−HK$2,125/mo
Today · 4.125%
HK$71,470
baseline
▲ 0.50% · 4.625%
HK$75,819
+HK$4,349/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$142,940/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,818
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,824
−HK$2,036/mo
Today · 4.125%
HK$78,860
baseline
▲ 0.50% · 4.625%
HK$83,017
+HK$4,157/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,720/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,447 · Scale 2, in force from 26 Feb 2026)