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$37,241
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,400
−HK$1,177/mo
Today · 4.125%
HK$39,577
baseline
▲ 0.50% · 4.625%
HK$41,985
+HK$2,408/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,154/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,431
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,542
−HK$1,127/mo
Today · 4.125%
HK$43,669
baseline
▲ 0.50% · 4.625%
HK$45,971
+HK$2,302/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,338/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,690
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,080
−HK$1,412/mo
Today · 4.125%
HK$47,492
baseline
▲ 0.50% · 4.625%
HK$50,382
+HK$2,890/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,984/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,717
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,050
−HK$1,353/mo
Today · 4.125%
HK$52,403
baseline
▲ 0.50% · 4.625%
HK$55,165
+HK$2,762/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,806/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,138
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,760
−HK$1,647/mo
Today · 4.125%
HK$55,407
baseline
▲ 0.50% · 4.625%
HK$58,779
+HK$3,372/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,814/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,003
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,559
−HK$1,578/mo
Today · 4.125%
HK$61,137
baseline
▲ 0.50% · 4.625%
HK$64,359
+HK$3,222/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,274/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,035
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,120
−HK$2,118/mo
Today · 4.125%
HK$71,238
baseline
▲ 0.50% · 4.625%
HK$75,573
+HK$4,335/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,476/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,575
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,575
−HK$2,029/mo
Today · 4.125%
HK$78,604
baseline
▲ 0.50% · 4.625%
HK$82,748
+HK$4,144/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,208/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,455 · Scale 2, in force from 26 Feb 2026)