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$37,250
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,409
−HK$1,177/mo
Today · 4.125%
HK$39,586
baseline
▲ 0.50% · 4.625%
HK$41,995
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,172/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,441
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,552
−HK$1,128/mo
Today · 4.125%
HK$43,680
baseline
▲ 0.50% · 4.625%
HK$45,982
+HK$2,302/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,360/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,700
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,091
−HK$1,413/mo
Today · 4.125%
HK$47,504
baseline
▲ 0.50% · 4.625%
HK$50,394
+HK$2,890/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$95,008/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,729
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,063
−HK$1,353/mo
Today · 4.125%
HK$52,416
baseline
▲ 0.50% · 4.625%
HK$55,178
+HK$2,762/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,832/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,151
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,773
−HK$1,648/mo
Today · 4.125%
HK$55,421
baseline
▲ 0.50% · 4.625%
HK$58,793
+HK$3,372/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,842/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,017
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,573
−HK$1,578/mo
Today · 4.125%
HK$61,151
baseline
▲ 0.50% · 4.625%
HK$64,375
+HK$3,224/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,302/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,051
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,136
−HK$2,119/mo
Today · 4.125%
HK$71,255
baseline
▲ 0.50% · 4.625%
HK$75,591
+HK$4,336/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,510/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,593
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,594
−HK$2,029/mo
Today · 4.125%
HK$78,623
baseline
▲ 0.50% · 4.625%
HK$82,768
+HK$4,145/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,246/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,602 · Scale 2, in force from 26 Feb 2026)