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$37,303
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,464
−HK$1,179/mo
Today · 4.125%
HK$39,643
baseline
▲ 0.50% · 4.625%
HK$42,055
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,286/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,500
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,613
−HK$1,129/mo
Today · 4.125%
HK$43,742
baseline
▲ 0.50% · 4.625%
HK$46,047
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,484/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,764
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,156
−HK$1,415/mo
Today · 4.125%
HK$47,571
baseline
▲ 0.50% · 4.625%
HK$50,466
+HK$2,895/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$95,142/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,800
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,135
−HK$1,355/mo
Today · 4.125%
HK$52,490
baseline
▲ 0.50% · 4.625%
HK$55,257
+HK$2,767/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$104,980/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,225
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,849
−HK$1,651/mo
Today · 4.125%
HK$55,500
baseline
▲ 0.50% · 4.625%
HK$58,877
+HK$3,377/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$111,000/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,099
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,658
−HK$1,580/mo
Today · 4.125%
HK$61,238
baseline
▲ 0.50% · 4.625%
HK$64,466
+HK$3,228/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,476/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,146
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,235
−HK$2,122/mo
Today · 4.125%
HK$71,357
baseline
▲ 0.50% · 4.625%
HK$75,699
+HK$4,342/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,714/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,699
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,703
−HK$2,032/mo
Today · 4.125%
HK$78,735
baseline
▲ 0.50% · 4.625%
HK$82,885
+HK$4,150/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,470/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,473 · Scale 2, in force from 26 Feb 2026)