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$37,331
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,492
−HK$1,180/mo
Today · 4.125%
HK$39,672
baseline
▲ 0.50% · 4.625%
HK$42,086
+HK$2,414/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,344/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,531
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,644
−HK$1,130/mo
Today · 4.125%
HK$43,774
baseline
▲ 0.50% · 4.625%
HK$46,082
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,548/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,797
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,191
−HK$1,416/mo
Today · 4.125%
HK$47,607
baseline
▲ 0.50% · 4.625%
HK$50,503
+HK$2,896/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,214/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,837
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,173
−HK$1,356/mo
Today · 4.125%
HK$52,529
baseline
▲ 0.50% · 4.625%
HK$55,298
+HK$2,769/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,058/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,264
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,889
−HK$1,652/mo
Today · 4.125%
HK$55,541
baseline
▲ 0.50% · 4.625%
HK$58,921
+HK$3,380/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,082/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$613,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,143
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,702
−HK$1,582/mo
Today · 4.125%
HK$61,284
baseline
▲ 0.50% · 4.625%
HK$64,515
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,568/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$613,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,196
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,286
−HK$2,124/mo
Today · 4.125%
HK$71,410
baseline
▲ 0.50% · 4.625%
HK$75,755
+HK$4,345/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,820/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,755
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,760
−HK$2,034/mo
Today · 4.125%
HK$78,794
baseline
▲ 0.50% · 4.625%
HK$82,947
+HK$4,153/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,588/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,932 · Scale 2, in force from 26 Feb 2026)