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$37,316
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,477
−HK$1,179/mo
Today · 4.125%
HK$39,656
baseline
▲ 0.50% · 4.625%
HK$42,069
+HK$2,413/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,312/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,514
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,627
−HK$1,130/mo
Today · 4.125%
HK$43,757
baseline
▲ 0.50% · 4.625%
HK$46,063
+HK$2,306/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,514/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,779
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,172
−HK$1,415/mo
Today · 4.125%
HK$47,587
baseline
▲ 0.50% · 4.625%
HK$50,483
+HK$2,896/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,174/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,816
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,152
−HK$1,356/mo
Today · 4.125%
HK$52,508
baseline
▲ 0.50% · 4.625%
HK$55,276
+HK$2,768/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,016/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,242
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,867
−HK$1,651/mo
Today · 4.125%
HK$55,518
baseline
▲ 0.50% · 4.625%
HK$58,897
+HK$3,379/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,036/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,119
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,678
−HK$1,581/mo
Today · 4.125%
HK$61,259
baseline
▲ 0.50% · 4.625%
HK$64,488
+HK$3,229/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,518/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,169
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,258
−HK$2,123/mo
Today · 4.125%
HK$71,381
baseline
▲ 0.50% · 4.625%
HK$75,724
+HK$4,343/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,762/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,725
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,729
−HK$2,033/mo
Today · 4.125%
HK$78,762
baseline
▲ 0.50% · 4.625%
HK$82,913
+HK$4,151/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,524/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,682 · Scale 2, in force from 26 Feb 2026)