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$37,258
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,417
−HK$1,177/mo
Today · 4.125%
HK$39,594
baseline
▲ 0.50% · 4.625%
HK$42,004
+HK$2,410/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,188/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,449
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,561
−HK$1,127/mo
Today · 4.125%
HK$43,688
baseline
▲ 0.50% · 4.625%
HK$45,991
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,376/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,710
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,100
−HK$1,413/mo
Today · 4.125%
HK$47,513
baseline
▲ 0.50% · 4.625%
HK$50,404
+HK$2,891/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$95,026/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,739
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,073
−HK$1,353/mo
Today · 4.125%
HK$52,426
baseline
▲ 0.50% · 4.625%
HK$55,190
+HK$2,764/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$104,852/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,161
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,784
−HK$1,648/mo
Today · 4.125%
HK$55,432
baseline
▲ 0.50% · 4.625%
HK$58,805
+HK$3,373/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,864/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,029
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,585
−HK$1,579/mo
Today · 4.125%
HK$61,164
baseline
▲ 0.50% · 4.625%
HK$64,388
+HK$3,224/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,328/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,064
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,150
−HK$2,120/mo
Today · 4.125%
HK$71,270
baseline
▲ 0.50% · 4.625%
HK$75,606
+HK$4,336/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,540/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,608
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,609
−HK$2,030/mo
Today · 4.125%
HK$78,639
baseline
▲ 0.50% · 4.625%
HK$82,784
+HK$4,145/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,278/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,727 · Scale 2, in force from 26 Feb 2026)