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$37,257
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,415
−HK$1,178/mo
Today · 4.125%
HK$39,593
baseline
▲ 0.50% · 4.625%
HK$42,002
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,186/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,448
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,559
−HK$1,128/mo
Today · 4.125%
HK$43,687
baseline
▲ 0.50% · 4.625%
HK$45,990
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,374/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,708
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,099
−HK$1,412/mo
Today · 4.125%
HK$47,511
baseline
▲ 0.50% · 4.625%
HK$50,402
+HK$2,891/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$95,022/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,737
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,071
−HK$1,353/mo
Today · 4.125%
HK$52,424
baseline
▲ 0.50% · 4.625%
HK$55,188
+HK$2,764/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$104,848/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,159
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,782
−HK$1,648/mo
Today · 4.125%
HK$55,430
baseline
▲ 0.50% · 4.625%
HK$58,803
+HK$3,373/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,860/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,027
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,583
−HK$1,579/mo
Today · 4.125%
HK$61,162
baseline
▲ 0.50% · 4.625%
HK$64,385
+HK$3,223/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,324/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,062
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,148
−HK$2,119/mo
Today · 4.125%
HK$71,267
baseline
▲ 0.50% · 4.625%
HK$75,604
+HK$4,337/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,534/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,606
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,606
−HK$2,030/mo
Today · 4.125%
HK$78,636
baseline
▲ 0.50% · 4.625%
HK$82,781
+HK$4,145/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,272/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,704 · Scale 2, in force from 26 Feb 2026)