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$37,362
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,524
−HK$1,181/mo
Today · 4.125%
HK$39,705
baseline
▲ 0.50% · 4.625%
HK$42,121
+HK$2,416/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,410/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,565
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,679
−HK$1,131/mo
Today · 4.125%
HK$43,810
baseline
▲ 0.50% · 4.625%
HK$46,119
+HK$2,309/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,620/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,834
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,229
−HK$1,417/mo
Today · 4.125%
HK$47,646
baseline
▲ 0.50% · 4.625%
HK$50,545
+HK$2,899/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,292/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,877
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,215
−HK$1,357/mo
Today · 4.125%
HK$52,572
baseline
▲ 0.50% · 4.625%
HK$55,343
+HK$2,771/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,144/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,306
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,933
−HK$1,654/mo
Today · 4.125%
HK$55,587
baseline
▲ 0.50% · 4.625%
HK$58,969
+HK$3,382/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$111,174/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,190
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,751
−HK$1,583/mo
Today · 4.125%
HK$61,334
baseline
▲ 0.50% · 4.625%
HK$64,567
+HK$3,233/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$122,668/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,251
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,343
−HK$2,125/mo
Today · 4.125%
HK$71,468
baseline
▲ 0.50% · 4.625%
HK$75,817
+HK$4,349/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$142,936/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,816
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,823
−HK$2,035/mo
Today · 4.125%
HK$78,858
baseline
▲ 0.50% · 4.625%
HK$83,015
+HK$4,157/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,716/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,434 · Scale 2, in force from 26 Feb 2026)