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$37,357
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,519
−HK$1,181/mo
Today · 4.125%
HK$39,700
baseline
▲ 0.50% · 4.625%
HK$42,115
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,400/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,559
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,674
−HK$1,131/mo
Today · 4.125%
HK$43,805
baseline
▲ 0.50% · 4.625%
HK$46,114
+HK$2,309/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,610/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,828
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,223
−HK$1,416/mo
Today · 4.125%
HK$47,639
baseline
▲ 0.50% · 4.625%
HK$50,538
+HK$2,899/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,278/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,871
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,209
−HK$1,356/mo
Today · 4.125%
HK$52,565
baseline
▲ 0.50% · 4.625%
HK$55,336
+HK$2,771/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,130/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,300
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,927
−HK$1,652/mo
Today · 4.125%
HK$55,579
baseline
▲ 0.50% · 4.625%
HK$58,961
+HK$3,382/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$111,158/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,183
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,743
−HK$1,583/mo
Today · 4.125%
HK$61,326
baseline
▲ 0.50% · 4.625%
HK$64,559
+HK$3,233/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$122,652/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,243
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,334
−HK$2,125/mo
Today · 4.125%
HK$71,459
baseline
▲ 0.50% · 4.625%
HK$75,807
+HK$4,348/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,918/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,807
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,813
−HK$2,035/mo
Today · 4.125%
HK$78,848
baseline
▲ 0.50% · 4.625%
HK$83,004
+HK$4,156/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,696/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,355 · Scale 2, in force from 26 Feb 2026)