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$37,341
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,502
−HK$1,181/mo
Today · 4.125%
HK$39,683
baseline
▲ 0.50% · 4.625%
HK$42,097
+HK$2,414/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,366/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,541
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,656
−HK$1,130/mo
Today · 4.125%
HK$43,786
baseline
▲ 0.50% · 4.625%
HK$46,094
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,572/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,809
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,203
−HK$1,416/mo
Today · 4.125%
HK$47,619
baseline
▲ 0.50% · 4.625%
HK$50,517
+HK$2,898/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,238/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,850
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,187
−HK$1,356/mo
Today · 4.125%
HK$52,543
baseline
▲ 0.50% · 4.625%
HK$55,313
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,086/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,277
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,903
−HK$1,653/mo
Today · 4.125%
HK$55,556
baseline
▲ 0.50% · 4.625%
HK$58,936
+HK$3,380/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,112/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,158
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,718
−HK$1,582/mo
Today · 4.125%
HK$61,300
baseline
▲ 0.50% · 4.625%
HK$64,531
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,600/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,214
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,304
−HK$2,125/mo
Today · 4.125%
HK$71,429
baseline
▲ 0.50% · 4.625%
HK$75,775
+HK$4,346/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,858/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,775
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,780
−HK$2,034/mo
Today · 4.125%
HK$78,814
baseline
▲ 0.50% · 4.625%
HK$82,969
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,628/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,091 · Scale 2, in force from 26 Feb 2026)