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$37,321
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,482
−HK$1,180/mo
Today · 4.125%
HK$39,662
baseline
▲ 0.50% · 4.625%
HK$42,075
+HK$2,413/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,324/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,519
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,633
−HK$1,130/mo
Today · 4.125%
HK$43,763
baseline
▲ 0.50% · 4.625%
HK$46,069
+HK$2,306/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,526/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,785
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,178
−HK$1,416/mo
Today · 4.125%
HK$47,594
baseline
▲ 0.50% · 4.625%
HK$50,490
+HK$2,896/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,188/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,823
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,160
−HK$1,355/mo
Today · 4.125%
HK$52,515
baseline
▲ 0.50% · 4.625%
HK$55,283
+HK$2,768/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,030/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,250
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,875
−HK$1,651/mo
Today · 4.125%
HK$55,526
baseline
▲ 0.50% · 4.625%
HK$58,905
+HK$3,379/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,052/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,127
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,686
−HK$1,582/mo
Today · 4.125%
HK$61,268
baseline
▲ 0.50% · 4.625%
HK$64,497
+HK$3,229/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,536/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,178
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,268
−HK$2,123/mo
Today · 4.125%
HK$71,391
baseline
▲ 0.50% · 4.625%
HK$75,735
+HK$4,344/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,782/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,735
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,739
−HK$2,034/mo
Today · 4.125%
HK$78,773
baseline
▲ 0.50% · 4.625%
HK$82,925
+HK$4,152/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,546/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,766 · Scale 2, in force from 26 Feb 2026)