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$2,338/mo
▼ 0.25% · 3.875%
HK$38,458
−HK$1,178/mo
Today · 4.125%
HK$39,636
baseline
▲ 0.50% · 4.625%
HK$42,048
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,272/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,493
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,606
−HK$1,129/mo
Today · 4.125%
HK$43,735
baseline
▲ 0.50% · 4.625%
HK$46,040
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,470/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,757
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,149
−HK$1,415/mo
Today · 4.125%
HK$47,564
baseline
▲ 0.50% · 4.625%
HK$50,458
+HK$2,894/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,128/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,792
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,127
−HK$1,355/mo
Today · 4.125%
HK$52,482
baseline
▲ 0.50% · 4.625%
HK$55,248
+HK$2,766/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,964/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,217
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,841
−HK$1,650/mo
Today · 4.125%
HK$55,491
baseline
▲ 0.50% · 4.625%
HK$58,867
+HK$3,376/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,982/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,090
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,648
−HK$1,581/mo
Today · 4.125%
HK$61,229
baseline
▲ 0.50% · 4.625%
HK$64,456
+HK$3,227/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,458/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,136
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,224
−HK$2,122/mo
Today · 4.125%
HK$71,346
baseline
▲ 0.50% · 4.625%
HK$75,687
+HK$4,341/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,692/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,688
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,691
−HK$2,032/mo
Today · 4.125%
HK$78,723
baseline
▲ 0.50% · 4.625%
HK$82,872
+HK$4,149/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,446/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,378 · Scale 2, in force from 26 Feb 2026)