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$37,291
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,451
−HK$1,179/mo
Today · 4.125%
HK$39,630
baseline
▲ 0.50% · 4.625%
HK$42,041
+HK$2,411/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,260/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,486
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,599
−HK$1,129/mo
Today · 4.125%
HK$43,728
baseline
▲ 0.50% · 4.625%
HK$46,033
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,456/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,750
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,142
−HK$1,414/mo
Today · 4.125%
HK$47,556
baseline
▲ 0.50% · 4.625%
HK$50,449
+HK$2,893/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,112/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,783
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,119
−HK$1,354/mo
Today · 4.125%
HK$52,473
baseline
▲ 0.50% · 4.625%
HK$55,239
+HK$2,766/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,946/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,208
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,832
−HK$1,650/mo
Today · 4.125%
HK$55,482
baseline
▲ 0.50% · 4.625%
HK$58,858
+HK$3,376/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,964/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,081
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,638
−HK$1,581/mo
Today · 4.125%
HK$61,219
baseline
▲ 0.50% · 4.625%
HK$64,446
+HK$3,227/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,438/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,124
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,212
−HK$2,122/mo
Today · 4.125%
HK$71,334
baseline
▲ 0.50% · 4.625%
HK$75,674
+HK$4,340/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,668/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,675
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,678
−HK$2,032/mo
Today · 4.125%
HK$78,710
baseline
▲ 0.50% · 4.625%
HK$82,859
+HK$4,149/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,420/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,275 · Scale 2, in force from 26 Feb 2026)