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$37,262
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,421
−HK$1,178/mo
Today · 4.125%
HK$39,599
baseline
▲ 0.50% · 4.625%
HK$42,008
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,198/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,454
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,566
−HK$1,127/mo
Today · 4.125%
HK$43,693
baseline
▲ 0.50% · 4.625%
HK$45,997
+HK$2,304/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,386/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,715
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,106
−HK$1,413/mo
Today · 4.125%
HK$47,519
baseline
▲ 0.50% · 4.625%
HK$50,410
+HK$2,891/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$95,038/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,745
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,079
−HK$1,353/mo
Today · 4.125%
HK$52,432
baseline
▲ 0.50% · 4.625%
HK$55,196
+HK$2,764/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$104,864/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,167
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,790
−HK$1,648/mo
Today · 4.125%
HK$55,438
baseline
▲ 0.50% · 4.625%
HK$58,812
+HK$3,374/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,876/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,035
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,592
−HK$1,579/mo
Today · 4.125%
HK$61,171
baseline
▲ 0.50% · 4.625%
HK$64,395
+HK$3,224/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,342/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,072
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,158
−HK$2,120/mo
Today · 4.125%
HK$71,278
baseline
▲ 0.50% · 4.625%
HK$75,615
+HK$4,337/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,556/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,617
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,618
−HK$2,030/mo
Today · 4.125%
HK$78,648
baseline
▲ 0.50% · 4.625%
HK$82,794
+HK$4,146/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,296/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,797 · Scale 2, in force from 26 Feb 2026)