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$37,330
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,491
−HK$1,180/mo
Today · 4.125%
HK$39,671
baseline
▲ 0.50% · 4.625%
HK$42,084
+HK$2,413/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,342/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,529
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,643
−HK$1,130/mo
Today · 4.125%
HK$43,773
baseline
▲ 0.50% · 4.625%
HK$46,080
+HK$2,307/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,546/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,796
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,189
−HK$1,416/mo
Today · 4.125%
HK$47,605
baseline
▲ 0.50% · 4.625%
HK$50,501
+HK$2,896/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,210/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,835
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,171
−HK$1,356/mo
Today · 4.125%
HK$52,527
baseline
▲ 0.50% · 4.625%
HK$55,296
+HK$2,769/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,054/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,262
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,887
−HK$1,652/mo
Today · 4.125%
HK$55,539
baseline
▲ 0.50% · 4.625%
HK$58,918
+HK$3,379/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,078/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$613,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,140
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,700
−HK$1,582/mo
Today · 4.125%
HK$61,282
baseline
▲ 0.50% · 4.625%
HK$64,512
+HK$3,230/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,564/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$613,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,193
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,283
−HK$2,124/mo
Today · 4.125%
HK$71,407
baseline
▲ 0.50% · 4.625%
HK$75,752
+HK$4,345/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,814/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,752
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,757
−HK$2,034/mo
Today · 4.125%
HK$78,791
baseline
▲ 0.50% · 4.625%
HK$82,944
+HK$4,153/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,582/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,906 · Scale 2, in force from 26 Feb 2026)