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$37,334
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,495
−HK$1,180/mo
Today · 4.125%
HK$39,675
baseline
▲ 0.50% · 4.625%
HK$42,089
+HK$2,414/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,350/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,534
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,648
−HK$1,130/mo
Today · 4.125%
HK$43,778
baseline
▲ 0.50% · 4.625%
HK$46,085
+HK$2,307/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,556/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,801
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,194
−HK$1,416/mo
Today · 4.125%
HK$47,610
baseline
▲ 0.50% · 4.625%
HK$50,507
+HK$2,897/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,220/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,840
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,177
−HK$1,356/mo
Today · 4.125%
HK$52,533
baseline
▲ 0.50% · 4.625%
HK$55,302
+HK$2,769/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,066/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,267
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,893
−HK$1,652/mo
Today · 4.125%
HK$55,545
baseline
▲ 0.50% · 4.625%
HK$58,925
+HK$3,380/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,090/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$613,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,147
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,707
−HK$1,582/mo
Today · 4.125%
HK$61,289
baseline
▲ 0.50% · 4.625%
HK$64,519
+HK$3,230/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,578/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$613,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,201
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,291
−HK$2,124/mo
Today · 4.125%
HK$71,415
baseline
▲ 0.50% · 4.625%
HK$75,761
+HK$4,346/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,830/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,761
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,766
−HK$2,034/mo
Today · 4.125%
HK$78,800
baseline
▲ 0.50% · 4.625%
HK$82,953
+HK$4,153/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,600/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,976 · Scale 2, in force from 26 Feb 2026)