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$37,354
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,516
−HK$1,181/mo
Today · 4.125%
HK$39,697
baseline
▲ 0.50% · 4.625%
HK$42,112
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,394/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,556
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,671
−HK$1,130/mo
Today · 4.125%
HK$43,801
baseline
▲ 0.50% · 4.625%
HK$46,110
+HK$2,309/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,602/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,825
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,219
−HK$1,417/mo
Today · 4.125%
HK$47,636
baseline
▲ 0.50% · 4.625%
HK$50,534
+HK$2,898/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,272/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,867
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,205
−HK$1,357/mo
Today · 4.125%
HK$52,562
baseline
▲ 0.50% · 4.625%
HK$55,332
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,124/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,296
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,923
−HK$1,652/mo
Today · 4.125%
HK$55,575
baseline
▲ 0.50% · 4.625%
HK$58,957
+HK$3,382/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$111,150/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,179
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,739
−HK$1,583/mo
Today · 4.125%
HK$61,322
baseline
▲ 0.50% · 4.625%
HK$64,554
+HK$3,232/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$122,644/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,237
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,329
−HK$2,125/mo
Today · 4.125%
HK$71,454
baseline
▲ 0.50% · 4.625%
HK$75,802
+HK$4,348/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,908/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,801
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,807
−HK$2,035/mo
Today · 4.125%
HK$78,842
baseline
▲ 0.50% · 4.625%
HK$82,998
+HK$4,156/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,684/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,309 · Scale 2, in force from 26 Feb 2026)