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$37,259
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,418
−HK$1,178/mo
Today · 4.125%
HK$39,596
baseline
▲ 0.50% · 4.625%
HK$42,005
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,192/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,450
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,562
−HK$1,128/mo
Today · 4.125%
HK$43,690
baseline
▲ 0.50% · 4.625%
HK$45,993
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,380/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,711
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,102
−HK$1,413/mo
Today · 4.125%
HK$47,515
baseline
▲ 0.50% · 4.625%
HK$50,406
+HK$2,891/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$95,030/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,740
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,074
−HK$1,354/mo
Today · 4.125%
HK$52,428
baseline
▲ 0.50% · 4.625%
HK$55,191
+HK$2,763/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$104,856/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,163
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,785
−HK$1,649/mo
Today · 4.125%
HK$55,434
baseline
▲ 0.50% · 4.625%
HK$58,807
+HK$3,373/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,868/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,030
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,587
−HK$1,579/mo
Today · 4.125%
HK$61,166
baseline
▲ 0.50% · 4.625%
HK$64,390
+HK$3,224/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,332/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,066
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,152
−HK$2,120/mo
Today · 4.125%
HK$71,272
baseline
▲ 0.50% · 4.625%
HK$75,609
+HK$4,337/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,544/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,611
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,612
−HK$2,030/mo
Today · 4.125%
HK$78,642
baseline
▲ 0.50% · 4.625%
HK$82,787
+HK$4,145/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,284/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,745 · Scale 2, in force from 26 Feb 2026)