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$37,278
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,438
−HK$1,178/mo
Today · 4.125%
HK$39,616
baseline
▲ 0.50% · 4.625%
HK$42,026
+HK$2,410/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,232/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,471
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,584
−HK$1,128/mo
Today · 4.125%
HK$43,712
baseline
▲ 0.50% · 4.625%
HK$46,016
+HK$2,304/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,424/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,734
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,125
−HK$1,414/mo
Today · 4.125%
HK$47,539
baseline
▲ 0.50% · 4.625%
HK$50,431
+HK$2,892/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,078/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,766
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,100
−HK$1,354/mo
Today · 4.125%
HK$52,454
baseline
▲ 0.50% · 4.625%
HK$55,219
+HK$2,765/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,908/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,189
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,813
−HK$1,649/mo
Today · 4.125%
HK$55,462
baseline
▲ 0.50% · 4.625%
HK$58,837
+HK$3,375/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,924/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,060
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,617
−HK$1,580/mo
Today · 4.125%
HK$61,197
baseline
▲ 0.50% · 4.625%
HK$64,423
+HK$3,226/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,394/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,100
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,188
−HK$2,120/mo
Today · 4.125%
HK$71,308
baseline
▲ 0.50% · 4.625%
HK$75,647
+HK$4,339/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,616/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,649
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,651
−HK$2,031/mo
Today · 4.125%
HK$78,682
baseline
▲ 0.50% · 4.625%
HK$82,829
+HK$4,147/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,364/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,057 · Scale 2, in force from 26 Feb 2026)