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$37,324
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,485
−HK$1,179/mo
Today · 4.125%
HK$39,664
baseline
▲ 0.50% · 4.625%
HK$42,078
+HK$2,414/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,328/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,522
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,636
−HK$1,130/mo
Today · 4.125%
HK$43,766
baseline
▲ 0.50% · 4.625%
HK$46,073
+HK$2,307/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,532/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,789
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,182
−HK$1,415/mo
Today · 4.125%
HK$47,597
baseline
▲ 0.50% · 4.625%
HK$50,493
+HK$2,896/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,194/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,827
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,163
−HK$1,356/mo
Today · 4.125%
HK$52,519
baseline
▲ 0.50% · 4.625%
HK$55,287
+HK$2,768/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,038/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,253
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,879
−HK$1,651/mo
Today · 4.125%
HK$55,530
baseline
▲ 0.50% · 4.625%
HK$58,909
+HK$3,379/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,060/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,131
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,690
−HK$1,582/mo
Today · 4.125%
HK$61,272
baseline
▲ 0.50% · 4.625%
HK$64,502
+HK$3,230/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,544/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,183
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,273
−HK$2,123/mo
Today · 4.125%
HK$71,396
baseline
▲ 0.50% · 4.625%
HK$75,740
+HK$4,344/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,792/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,740
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,745
−HK$2,033/mo
Today · 4.125%
HK$78,778
baseline
▲ 0.50% · 4.625%
HK$82,931
+HK$4,153/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,556/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,809 · Scale 2, in force from 26 Feb 2026)