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$37,365
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,527
−HK$1,181/mo
Today · 4.125%
HK$39,708
baseline
▲ 0.50% · 4.625%
HK$42,124
+HK$2,416/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,416/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,568
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,683
−HK$1,131/mo
Today · 4.125%
HK$43,814
baseline
▲ 0.50% · 4.625%
HK$46,124
+HK$2,310/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,628/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,838
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,233
−HK$1,417/mo
Today · 4.125%
HK$47,650
baseline
▲ 0.50% · 4.625%
HK$50,549
+HK$2,899/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,300/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,882
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,220
−HK$1,357/mo
Today · 4.125%
HK$52,577
baseline
▲ 0.50% · 4.625%
HK$55,348
+HK$2,771/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,154/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,311
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,938
−HK$1,653/mo
Today · 4.125%
HK$55,591
baseline
▲ 0.50% · 4.625%
HK$58,974
+HK$3,383/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$111,182/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,196
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,756
−HK$1,584/mo
Today · 4.125%
HK$61,340
baseline
▲ 0.50% · 4.625%
HK$64,573
+HK$3,233/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$122,680/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,257
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,349
−HK$2,126/mo
Today · 4.125%
HK$71,475
baseline
▲ 0.50% · 4.625%
HK$75,824
+HK$4,349/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$142,950/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,823
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,830
−HK$2,035/mo
Today · 4.125%
HK$78,865
baseline
▲ 0.50% · 4.625%
HK$83,022
+HK$4,157/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,730/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,488 · Scale 2, in force from 26 Feb 2026)