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$37,298
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,459
−HK$1,178/mo
Today · 4.125%
HK$39,637
baseline
▲ 0.50% · 4.625%
HK$42,049
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,274/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,494
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,607
−HK$1,129/mo
Today · 4.125%
HK$43,736
baseline
▲ 0.50% · 4.625%
HK$46,041
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,472/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,758
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,150
−HK$1,415/mo
Today · 4.125%
HK$47,565
baseline
▲ 0.50% · 4.625%
HK$50,459
+HK$2,894/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,130/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,793
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,128
−HK$1,355/mo
Today · 4.125%
HK$52,483
baseline
▲ 0.50% · 4.625%
HK$55,249
+HK$2,766/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,966/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,218
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,842
−HK$1,650/mo
Today · 4.125%
HK$55,492
baseline
▲ 0.50% · 4.625%
HK$58,869
+HK$3,377/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,984/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,092
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,650
−HK$1,580/mo
Today · 4.125%
HK$61,230
baseline
▲ 0.50% · 4.625%
HK$64,458
+HK$3,228/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,460/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,137
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,225
−HK$2,122/mo
Today · 4.125%
HK$71,347
baseline
▲ 0.50% · 4.625%
HK$75,688
+HK$4,341/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,694/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,689
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,692
−HK$2,033/mo
Today · 4.125%
HK$78,725
baseline
▲ 0.50% · 4.625%
HK$82,874
+HK$4,149/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,450/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,392 · Scale 2, in force from 26 Feb 2026)