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$37,338
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,500
−HK$1,180/mo
Today · 4.125%
HK$39,680
baseline
▲ 0.50% · 4.625%
HK$42,094
+HK$2,414/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,360/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,539
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,653
−HK$1,130/mo
Today · 4.125%
HK$43,783
baseline
▲ 0.50% · 4.625%
HK$46,091
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,566/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,806
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,200
−HK$1,416/mo
Today · 4.125%
HK$47,616
baseline
▲ 0.50% · 4.625%
HK$50,513
+HK$2,897/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,232/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,846
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,183
−HK$1,356/mo
Today · 4.125%
HK$52,539
baseline
▲ 0.50% · 4.625%
HK$55,309
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,078/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,274
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,900
−HK$1,652/mo
Today · 4.125%
HK$55,552
baseline
▲ 0.50% · 4.625%
HK$58,932
+HK$3,380/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,104/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,154
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,714
−HK$1,582/mo
Today · 4.125%
HK$61,296
baseline
▲ 0.50% · 4.625%
HK$64,527
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,592/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,209
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,300
−HK$2,124/mo
Today · 4.125%
HK$71,424
baseline
▲ 0.50% · 4.625%
HK$75,770
+HK$4,346/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,848/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,770
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,775
−HK$2,034/mo
Today · 4.125%
HK$78,809
baseline
▲ 0.50% · 4.625%
HK$82,963
+HK$4,154/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,618/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,051 · Scale 2, in force from 26 Feb 2026)