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$37,299
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,459
−HK$1,179/mo
Today · 4.125%
HK$39,638
baseline
▲ 0.50% · 4.625%
HK$42,050
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,276/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,495
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,607
−HK$1,129/mo
Today · 4.125%
HK$43,736
baseline
▲ 0.50% · 4.625%
HK$46,042
+HK$2,306/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,472/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,759
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,151
−HK$1,414/mo
Today · 4.125%
HK$47,565
baseline
▲ 0.50% · 4.625%
HK$50,460
+HK$2,895/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,130/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,794
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,129
−HK$1,355/mo
Today · 4.125%
HK$52,484
baseline
▲ 0.50% · 4.625%
HK$55,250
+HK$2,766/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,968/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,218
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,843
−HK$1,650/mo
Today · 4.125%
HK$55,493
baseline
▲ 0.50% · 4.625%
HK$58,870
+HK$3,377/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,986/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,092
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,650
−HK$1,581/mo
Today · 4.125%
HK$61,231
baseline
▲ 0.50% · 4.625%
HK$64,459
+HK$3,228/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,462/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,138
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,226
−HK$2,122/mo
Today · 4.125%
HK$71,348
baseline
▲ 0.50% · 4.625%
HK$75,689
+HK$4,341/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,696/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,690
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,693
−HK$2,033/mo
Today · 4.125%
HK$78,726
baseline
▲ 0.50% · 4.625%
HK$82,875
+HK$4,149/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,452/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,400 · Scale 2, in force from 26 Feb 2026)