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$37,285
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,445
−HK$1,178/mo
Today · 4.125%
HK$39,623
baseline
▲ 0.50% · 4.625%
HK$42,034
+HK$2,411/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,246/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,479
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,592
−HK$1,128/mo
Today · 4.125%
HK$43,720
baseline
▲ 0.50% · 4.625%
HK$46,025
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,440/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,742
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,134
−HK$1,414/mo
Today · 4.125%
HK$47,548
baseline
▲ 0.50% · 4.625%
HK$50,441
+HK$2,893/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,096/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,775
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,110
−HK$1,354/mo
Today · 4.125%
HK$52,464
baseline
▲ 0.50% · 4.625%
HK$55,230
+HK$2,766/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,928/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,199
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,823
−HK$1,649/mo
Today · 4.125%
HK$55,472
baseline
▲ 0.50% · 4.625%
HK$58,848
+HK$3,376/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,944/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,071
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,628
−HK$1,580/mo
Today · 4.125%
HK$61,208
baseline
▲ 0.50% · 4.625%
HK$64,435
+HK$3,227/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,416/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,113
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,201
−HK$2,121/mo
Today · 4.125%
HK$71,322
baseline
▲ 0.50% · 4.625%
HK$75,661
+HK$4,339/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,644/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,662
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,665
−HK$2,031/mo
Today · 4.125%
HK$78,696
baseline
▲ 0.50% · 4.625%
HK$82,844
+HK$4,148/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,392/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,171 · Scale 2, in force from 26 Feb 2026)