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$37,343
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,504
−HK$1,181/mo
Today · 4.125%
HK$39,685
baseline
▲ 0.50% · 4.625%
HK$42,099
+HK$2,414/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,370/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,543
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,658
−HK$1,130/mo
Today · 4.125%
HK$43,788
baseline
▲ 0.50% · 4.625%
HK$46,096
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,576/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,811
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,205
−HK$1,416/mo
Today · 4.125%
HK$47,621
baseline
▲ 0.50% · 4.625%
HK$50,519
+HK$2,898/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,242/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,852
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,189
−HK$1,357/mo
Today · 4.125%
HK$52,546
baseline
▲ 0.50% · 4.625%
HK$55,315
+HK$2,769/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,092/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,280
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,906
−HK$1,652/mo
Today · 4.125%
HK$55,558
baseline
▲ 0.50% · 4.625%
HK$58,939
+HK$3,381/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,116/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,161
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,721
−HK$1,582/mo
Today · 4.125%
HK$61,303
baseline
▲ 0.50% · 4.625%
HK$64,534
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,606/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,217
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,308
−HK$2,124/mo
Today · 4.125%
HK$71,432
baseline
▲ 0.50% · 4.625%
HK$75,779
+HK$4,347/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,864/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,778
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,784
−HK$2,034/mo
Today · 4.125%
HK$78,818
baseline
▲ 0.50% · 4.625%
HK$82,973
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,636/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,122 · Scale 2, in force from 26 Feb 2026)