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$37,292
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,452
−HK$1,179/mo
Today · 4.125%
HK$39,631
baseline
▲ 0.50% · 4.625%
HK$42,042
+HK$2,411/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,262/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,487
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,600
−HK$1,129/mo
Today · 4.125%
HK$43,729
baseline
▲ 0.50% · 4.625%
HK$46,034
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,458/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,751
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,143
−HK$1,414/mo
Today · 4.125%
HK$47,557
baseline
▲ 0.50% · 4.625%
HK$50,451
+HK$2,894/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,114/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,785
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,120
−HK$1,354/mo
Today · 4.125%
HK$52,474
baseline
▲ 0.50% · 4.625%
HK$55,240
+HK$2,766/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,948/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,209
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,833
−HK$1,650/mo
Today · 4.125%
HK$55,483
baseline
▲ 0.50% · 4.625%
HK$58,859
+HK$3,376/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,966/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,082
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,640
−HK$1,580/mo
Today · 4.125%
HK$61,220
baseline
▲ 0.50% · 4.625%
HK$64,447
+HK$3,227/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,440/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,126
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,214
−HK$2,121/mo
Today · 4.125%
HK$71,335
baseline
▲ 0.50% · 4.625%
HK$75,676
+HK$4,341/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,670/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,677
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,680
−HK$2,032/mo
Today · 4.125%
HK$78,712
baseline
▲ 0.50% · 4.625%
HK$82,861
+HK$4,149/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,424/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,291 · Scale 2, in force from 26 Feb 2026)