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$37,266
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,426
−HK$1,177/mo
Today · 4.125%
HK$39,603
baseline
▲ 0.50% · 4.625%
HK$42,013
+HK$2,410/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,206/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,459
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,570
−HK$1,128/mo
Today · 4.125%
HK$43,698
baseline
▲ 0.50% · 4.625%
HK$46,002
+HK$2,304/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,396/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,720
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,111
−HK$1,413/mo
Today · 4.125%
HK$47,524
baseline
▲ 0.50% · 4.625%
HK$50,416
+HK$2,892/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,048/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,750
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,085
−HK$1,353/mo
Today · 4.125%
HK$52,438
baseline
▲ 0.50% · 4.625%
HK$55,202
+HK$2,764/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,876/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,173
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,796
−HK$1,649/mo
Today · 4.125%
HK$55,445
baseline
▲ 0.50% · 4.625%
HK$58,818
+HK$3,373/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,890/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,042
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,599
−HK$1,579/mo
Today · 4.125%
HK$61,178
baseline
▲ 0.50% · 4.625%
HK$64,403
+HK$3,225/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,356/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,080
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,166
−HK$2,120/mo
Today · 4.125%
HK$71,286
baseline
▲ 0.50% · 4.625%
HK$75,624
+HK$4,338/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,572/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,625
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,627
−HK$2,030/mo
Today · 4.125%
HK$78,657
baseline
▲ 0.50% · 4.625%
HK$82,803
+HK$4,146/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,314/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,867 · Scale 2, in force from 26 Feb 2026)