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$37,252
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,411
−HK$1,177/mo
Today · 4.125%
HK$39,588
baseline
▲ 0.50% · 4.625%
HK$41,997
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,176/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,442
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,554
−HK$1,127/mo
Today · 4.125%
HK$43,681
baseline
▲ 0.50% · 4.625%
HK$45,984
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,362/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,702
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,093
−HK$1,412/mo
Today · 4.125%
HK$47,505
baseline
▲ 0.50% · 4.625%
HK$50,396
+HK$2,891/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$95,010/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,731
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,065
−HK$1,353/mo
Today · 4.125%
HK$52,418
baseline
▲ 0.50% · 4.625%
HK$55,181
+HK$2,763/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,836/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,153
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,775
−HK$1,648/mo
Today · 4.125%
HK$55,423
baseline
▲ 0.50% · 4.625%
HK$58,795
+HK$3,372/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,846/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,019
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,575
−HK$1,579/mo
Today · 4.125%
HK$61,154
baseline
▲ 0.50% · 4.625%
HK$64,377
+HK$3,223/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,308/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,053
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,139
−HK$2,119/mo
Today · 4.125%
HK$71,258
baseline
▲ 0.50% · 4.625%
HK$75,594
+HK$4,336/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,516/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,596
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,597
−HK$2,029/mo
Today · 4.125%
HK$78,626
baseline
▲ 0.50% · 4.625%
HK$82,771
+HK$4,145/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,252/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,626 · Scale 2, in force from 26 Feb 2026)