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$37,309
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,470
−HK$1,179/mo
Today · 4.125%
HK$39,649
baseline
▲ 0.50% · 4.625%
HK$42,061
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,298/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,506
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,619
−HK$1,130/mo
Today · 4.125%
HK$43,749
baseline
▲ 0.50% · 4.625%
HK$46,055
+HK$2,306/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,498/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,771
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,164
−HK$1,415/mo
Today · 4.125%
HK$47,579
baseline
▲ 0.50% · 4.625%
HK$50,474
+HK$2,895/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$95,158/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,807
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,143
−HK$1,355/mo
Today · 4.125%
HK$52,498
baseline
▲ 0.50% · 4.625%
HK$55,265
+HK$2,767/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$104,996/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,233
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,858
−HK$1,650/mo
Today · 4.125%
HK$55,508
baseline
▲ 0.50% · 4.625%
HK$58,886
+HK$3,378/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$111,016/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,108
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,667
−HK$1,581/mo
Today · 4.125%
HK$61,248
baseline
▲ 0.50% · 4.625%
HK$64,476
+HK$3,228/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,496/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,156
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,245
−HK$2,123/mo
Today · 4.125%
HK$71,368
baseline
▲ 0.50% · 4.625%
HK$75,710
+HK$4,342/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,736/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,711
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,715
−HK$2,032/mo
Today · 4.125%
HK$78,747
baseline
▲ 0.50% · 4.625%
HK$82,898
+HK$4,151/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,494/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,569 · Scale 2, in force from 26 Feb 2026)