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$37,339
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,501
−HK$1,180/mo
Today · 4.125%
HK$39,681
baseline
▲ 0.50% · 4.625%
HK$42,095
+HK$2,414/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,362/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,540
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,654
−HK$1,130/mo
Today · 4.125%
HK$43,784
baseline
▲ 0.50% · 4.625%
HK$46,092
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,568/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,807
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,201
−HK$1,416/mo
Today · 4.125%
HK$47,617
baseline
▲ 0.50% · 4.625%
HK$50,514
+HK$2,897/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,234/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,848
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,185
−HK$1,356/mo
Today · 4.125%
HK$52,541
baseline
▲ 0.50% · 4.625%
HK$55,310
+HK$2,769/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,082/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,275
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,901
−HK$1,652/mo
Today · 4.125%
HK$55,553
baseline
▲ 0.50% · 4.625%
HK$58,934
+HK$3,381/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,106/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,156
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,715
−HK$1,583/mo
Today · 4.125%
HK$61,298
baseline
▲ 0.50% · 4.625%
HK$64,529
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,596/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,211
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,302
−HK$2,124/mo
Today · 4.125%
HK$71,426
baseline
▲ 0.50% · 4.625%
HK$75,772
+HK$4,346/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,852/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,771
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,777
−HK$2,034/mo
Today · 4.125%
HK$78,811
baseline
▲ 0.50% · 4.625%
HK$82,965
+HK$4,154/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,622/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,066 · Scale 2, in force from 26 Feb 2026)