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$37,307
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,467
−HK$1,179/mo
Today · 4.125%
HK$39,646
baseline
▲ 0.50% · 4.625%
HK$42,059
+HK$2,413/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,292/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,503
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,616
−HK$1,130/mo
Today · 4.125%
HK$43,746
baseline
▲ 0.50% · 4.625%
HK$46,051
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,492/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,768
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,161
−HK$1,414/mo
Today · 4.125%
HK$47,575
baseline
▲ 0.50% · 4.625%
HK$50,470
+HK$2,895/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$95,150/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,804
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,140
−HK$1,355/mo
Today · 4.125%
HK$52,495
baseline
▲ 0.50% · 4.625%
HK$55,262
+HK$2,767/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$104,990/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,229
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,854
−HK$1,651/mo
Today · 4.125%
HK$55,505
baseline
▲ 0.50% · 4.625%
HK$58,882
+HK$3,377/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$111,010/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,105
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,663
−HK$1,581/mo
Today · 4.125%
HK$61,244
baseline
▲ 0.50% · 4.625%
HK$64,472
+HK$3,228/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,488/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,152
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,241
−HK$2,122/mo
Today · 4.125%
HK$71,363
baseline
▲ 0.50% · 4.625%
HK$75,705
+HK$4,342/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,726/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,706
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,710
−HK$2,032/mo
Today · 4.125%
HK$78,742
baseline
▲ 0.50% · 4.625%
HK$82,893
+HK$4,151/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,484/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,528 · Scale 2, in force from 26 Feb 2026)