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$37,369
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,532
−HK$1,181/mo
Today · 4.125%
HK$39,713
baseline
▲ 0.50% · 4.625%
HK$42,129
+HK$2,416/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,426/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,573
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,688
−HK$1,131/mo
Today · 4.125%
HK$43,819
baseline
▲ 0.50% · 4.625%
HK$46,129
+HK$2,310/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,638/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,843
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,238
−HK$1,417/mo
Today · 4.125%
HK$47,655
baseline
▲ 0.50% · 4.625%
HK$50,555
+HK$2,900/mo
Deposit HK$6.56M · loan HK$9.83M · min. income ≈ HK$95,310/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,888
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,226
−HK$1,357/mo
Today · 4.125%
HK$52,583
baseline
▲ 0.50% · 4.625%
HK$55,355
+HK$2,772/mo
Deposit HK$6.56M · loan HK$9.83M · min. income ≈ HK$105,166/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,317
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,944
−HK$1,654/mo
Today · 4.125%
HK$55,598
baseline
▲ 0.50% · 4.625%
HK$58,981
+HK$3,383/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$111,196/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,202
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,763
−HK$1,584/mo
Today · 4.125%
HK$61,347
baseline
▲ 0.50% · 4.625%
HK$64,580
+HK$3,233/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$122,694/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,265
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,357
−HK$2,126/mo
Today · 4.125%
HK$71,483
baseline
▲ 0.50% · 4.625%
HK$75,833
+HK$4,350/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$142,966/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,831
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,838
−HK$2,036/mo
Today · 4.125%
HK$78,874
baseline
▲ 0.50% · 4.625%
HK$83,032
+HK$4,158/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,748/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,559 · Scale 2, in force from 26 Feb 2026)