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$37,302
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,462
−HK$1,179/mo
Today · 4.125%
HK$39,641
baseline
▲ 0.50% · 4.625%
HK$42,053
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,282/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,498
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,611
−HK$1,129/mo
Today · 4.125%
HK$43,740
baseline
▲ 0.50% · 4.625%
HK$46,046
+HK$2,306/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,480/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,762
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,155
−HK$1,414/mo
Today · 4.125%
HK$47,569
baseline
▲ 0.50% · 4.625%
HK$50,464
+HK$2,895/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$95,138/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,798
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,133
−HK$1,355/mo
Today · 4.125%
HK$52,488
baseline
▲ 0.50% · 4.625%
HK$55,255
+HK$2,767/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$104,976/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,223
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,847
−HK$1,651/mo
Today · 4.125%
HK$55,498
baseline
▲ 0.50% · 4.625%
HK$58,875
+HK$3,377/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,996/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,097
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,656
−HK$1,580/mo
Today · 4.125%
HK$61,236
baseline
▲ 0.50% · 4.625%
HK$64,464
+HK$3,228/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,472/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,144
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,232
−HK$2,122/mo
Today · 4.125%
HK$71,354
baseline
▲ 0.50% · 4.625%
HK$75,696
+HK$4,342/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,708/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,697
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,700
−HK$2,032/mo
Today · 4.125%
HK$78,732
baseline
▲ 0.50% · 4.625%
HK$82,882
+HK$4,150/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,464/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,452 · Scale 2, in force from 26 Feb 2026)