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$37,289
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,449
−HK$1,178/mo
Today · 4.125%
HK$39,627
baseline
▲ 0.50% · 4.625%
HK$42,038
+HK$2,411/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,254/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,483
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,596
−HK$1,129/mo
Today · 4.125%
HK$43,725
baseline
▲ 0.50% · 4.625%
HK$46,029
+HK$2,304/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,450/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,747
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,138
−HK$1,415/mo
Today · 4.125%
HK$47,553
baseline
▲ 0.50% · 4.625%
HK$50,446
+HK$2,893/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,106/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,780
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,115
−HK$1,355/mo
Today · 4.125%
HK$52,470
baseline
▲ 0.50% · 4.625%
HK$55,235
+HK$2,765/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,940/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,204
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,828
−HK$1,650/mo
Today · 4.125%
HK$55,478
baseline
▲ 0.50% · 4.625%
HK$58,854
+HK$3,376/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,956/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,077
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,634
−HK$1,580/mo
Today · 4.125%
HK$61,214
baseline
▲ 0.50% · 4.625%
HK$64,441
+HK$3,227/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,428/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,120
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,208
−HK$2,121/mo
Today · 4.125%
HK$71,329
baseline
▲ 0.50% · 4.625%
HK$75,669
+HK$4,340/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,658/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,670
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,673
−HK$2,031/mo
Today · 4.125%
HK$78,704
baseline
▲ 0.50% · 4.625%
HK$82,853
+HK$4,149/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,408/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,234 · Scale 2, in force from 26 Feb 2026)