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$37,271
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,430
−HK$1,178/mo
Today · 4.125%
HK$39,608
baseline
▲ 0.50% · 4.625%
HK$42,018
+HK$2,410/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,216/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$612,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,463
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,575
−HK$1,128/mo
Today · 4.125%
HK$43,703
baseline
▲ 0.50% · 4.625%
HK$46,007
+HK$2,304/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,406/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$612,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,725
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,116
−HK$1,413/mo
Today · 4.125%
HK$47,529
baseline
▲ 0.50% · 4.625%
HK$50,421
+HK$2,892/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,058/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,756
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,090
−HK$1,354/mo
Today · 4.125%
HK$52,444
baseline
▲ 0.50% · 4.625%
HK$55,208
+HK$2,764/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,888/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,179
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,802
−HK$1,649/mo
Today · 4.125%
HK$55,451
baseline
▲ 0.50% · 4.625%
HK$58,825
+HK$3,374/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,902/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,048
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,605
−HK$1,580/mo
Today · 4.125%
HK$61,185
baseline
▲ 0.50% · 4.625%
HK$64,410
+HK$3,225/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,370/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,087
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,174
−HK$2,120/mo
Today · 4.125%
HK$71,294
baseline
▲ 0.50% · 4.625%
HK$75,632
+HK$4,338/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,588/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,634
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,635
−HK$2,031/mo
Today · 4.125%
HK$78,666
baseline
▲ 0.50% · 4.625%
HK$82,812
+HK$4,146/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,332/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,934 · Scale 2, in force from 26 Feb 2026)