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$37,326
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,487
−HK$1,179/mo
Today · 4.125%
HK$39,666
baseline
▲ 0.50% · 4.625%
HK$42,080
+HK$2,414/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,332/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,524
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,638
−HK$1,130/mo
Today · 4.125%
HK$43,768
baseline
▲ 0.50% · 4.625%
HK$46,075
+HK$2,307/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,536/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,791
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,184
−HK$1,415/mo
Today · 4.125%
HK$47,599
baseline
▲ 0.50% · 4.625%
HK$50,496
+HK$2,897/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,198/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,829
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,166
−HK$1,355/mo
Today · 4.125%
HK$52,521
baseline
▲ 0.50% · 4.625%
HK$55,290
+HK$2,769/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,042/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,256
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,881
−HK$1,652/mo
Today · 4.125%
HK$55,533
baseline
▲ 0.50% · 4.625%
HK$58,912
+HK$3,379/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,066/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,134
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,693
−HK$1,582/mo
Today · 4.125%
HK$61,275
baseline
▲ 0.50% · 4.625%
HK$64,505
+HK$3,230/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,550/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,186
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,276
−HK$2,123/mo
Today · 4.125%
HK$71,399
baseline
▲ 0.50% · 4.625%
HK$75,744
+HK$4,345/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,798/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,744
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,748
−HK$2,034/mo
Today · 4.125%
HK$78,782
baseline
▲ 0.50% · 4.625%
HK$82,935
+HK$4,153/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,564/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,839 · Scale 2, in force from 26 Feb 2026)