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$37,276
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,435
−HK$1,178/mo
Today · 4.125%
HK$39,613
baseline
▲ 0.50% · 4.625%
HK$42,024
+HK$2,411/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,226/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,469
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,581
−HK$1,128/mo
Today · 4.125%
HK$43,709
baseline
▲ 0.50% · 4.625%
HK$46,013
+HK$2,304/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,418/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,731
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,122
−HK$1,414/mo
Today · 4.125%
HK$47,536
baseline
▲ 0.50% · 4.625%
HK$50,428
+HK$2,892/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,072/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,763
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,097
−HK$1,354/mo
Today · 4.125%
HK$52,451
baseline
▲ 0.50% · 4.625%
HK$55,216
+HK$2,765/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,902/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,186
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,809
−HK$1,650/mo
Today · 4.125%
HK$55,459
baseline
▲ 0.50% · 4.625%
HK$58,833
+HK$3,374/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,918/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,056
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,613
−HK$1,580/mo
Today · 4.125%
HK$61,193
baseline
▲ 0.50% · 4.625%
HK$64,419
+HK$3,226/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,386/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,096
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,183
−HK$2,121/mo
Today · 4.125%
HK$71,304
baseline
▲ 0.50% · 4.625%
HK$75,642
+HK$4,338/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,608/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,644
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,646
−HK$2,031/mo
Today · 4.125%
HK$78,677
baseline
▲ 0.50% · 4.625%
HK$82,824
+HK$4,147/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,354/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,019 · Scale 2, in force from 26 Feb 2026)