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$37,265
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,425
−HK$1,177/mo
Today · 4.125%
HK$39,602
baseline
▲ 0.50% · 4.625%
HK$42,012
+HK$2,410/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,204/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,457
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,569
−HK$1,128/mo
Today · 4.125%
HK$43,697
baseline
▲ 0.50% · 4.625%
HK$46,000
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,394/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,718
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,109
−HK$1,414/mo
Today · 4.125%
HK$47,523
baseline
▲ 0.50% · 4.625%
HK$50,414
+HK$2,891/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,046/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,749
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,083
−HK$1,354/mo
Today · 4.125%
HK$52,437
baseline
▲ 0.50% · 4.625%
HK$55,201
+HK$2,764/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,874/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,171
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,794
−HK$1,649/mo
Today · 4.125%
HK$55,443
baseline
▲ 0.50% · 4.625%
HK$58,817
+HK$3,374/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,886/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,040
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,597
−HK$1,579/mo
Today · 4.125%
HK$61,176
baseline
▲ 0.50% · 4.625%
HK$64,401
+HK$3,225/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,352/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,078
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,164
−HK$2,120/mo
Today · 4.125%
HK$71,284
baseline
▲ 0.50% · 4.625%
HK$75,621
+HK$4,337/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,568/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,623
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,625
−HK$2,030/mo
Today · 4.125%
HK$78,655
baseline
▲ 0.50% · 4.625%
HK$82,801
+HK$4,146/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,310/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,849 · Scale 2, in force from 26 Feb 2026)