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$37,325
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,486
−HK$1,179/mo
Today · 4.125%
HK$39,665
baseline
▲ 0.50% · 4.625%
HK$42,079
+HK$2,414/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,330/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,523
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,637
−HK$1,130/mo
Today · 4.125%
HK$43,767
baseline
▲ 0.50% · 4.625%
HK$46,074
+HK$2,307/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,534/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,789
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,183
−HK$1,415/mo
Today · 4.125%
HK$47,598
baseline
▲ 0.50% · 4.625%
HK$50,494
+HK$2,896/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,196/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,828
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,164
−HK$1,356/mo
Today · 4.125%
HK$52,520
baseline
▲ 0.50% · 4.625%
HK$55,288
+HK$2,768/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,040/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,254
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,880
−HK$1,651/mo
Today · 4.125%
HK$55,531
baseline
▲ 0.50% · 4.625%
HK$58,910
+HK$3,379/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,062/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,132
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,692
−HK$1,581/mo
Today · 4.125%
HK$61,273
baseline
▲ 0.50% · 4.625%
HK$64,503
+HK$3,230/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,546/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,184
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,274
−HK$2,123/mo
Today · 4.125%
HK$71,397
baseline
▲ 0.50% · 4.625%
HK$75,742
+HK$4,345/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,794/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,742
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,746
−HK$2,034/mo
Today · 4.125%
HK$78,780
baseline
▲ 0.50% · 4.625%
HK$82,932
+HK$4,152/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,560/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,822 · Scale 2, in force from 26 Feb 2026)