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$37,356
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,518
−HK$1,180/mo
Today · 4.125%
HK$39,698
baseline
▲ 0.50% · 4.625%
HK$42,114
+HK$2,416/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,396/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,558
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,672
−HK$1,131/mo
Today · 4.125%
HK$43,803
baseline
▲ 0.50% · 4.625%
HK$46,112
+HK$2,309/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,606/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,827
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,221
−HK$1,417/mo
Today · 4.125%
HK$47,638
baseline
▲ 0.50% · 4.625%
HK$50,536
+HK$2,898/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,276/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,869
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,207
−HK$1,357/mo
Today · 4.125%
HK$52,564
baseline
▲ 0.50% · 4.625%
HK$55,334
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,128/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,298
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,925
−HK$1,652/mo
Today · 4.125%
HK$55,577
baseline
▲ 0.50% · 4.625%
HK$58,959
+HK$3,382/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$111,154/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,181
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,741
−HK$1,583/mo
Today · 4.125%
HK$61,324
baseline
▲ 0.50% · 4.625%
HK$64,557
+HK$3,233/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$122,648/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,240
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,332
−HK$2,125/mo
Today · 4.125%
HK$71,457
baseline
▲ 0.50% · 4.625%
HK$75,805
+HK$4,348/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,914/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,804
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,810
−HK$2,035/mo
Today · 4.125%
HK$78,845
baseline
▲ 0.50% · 4.625%
HK$83,001
+HK$4,156/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,690/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,332 · Scale 2, in force from 26 Feb 2026)