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$37,261
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,420
−HK$1,178/mo
Today · 4.125%
HK$39,598
baseline
▲ 0.50% · 4.625%
HK$42,007
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,196/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,453
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,565
−HK$1,128/mo
Today · 4.125%
HK$43,693
baseline
▲ 0.50% · 4.625%
HK$45,996
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,386/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,714
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,105
−HK$1,413/mo
Today · 4.125%
HK$47,518
baseline
▲ 0.50% · 4.625%
HK$50,409
+HK$2,891/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$95,036/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,744
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,078
−HK$1,353/mo
Today · 4.125%
HK$52,431
baseline
▲ 0.50% · 4.625%
HK$55,195
+HK$2,764/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$104,862/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,166
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,789
−HK$1,648/mo
Today · 4.125%
HK$55,437
baseline
▲ 0.50% · 4.625%
HK$58,810
+HK$3,373/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,874/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,034
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,591
−HK$1,579/mo
Today · 4.125%
HK$61,170
baseline
▲ 0.50% · 4.625%
HK$64,394
+HK$3,224/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,340/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,071
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,157
−HK$2,119/mo
Today · 4.125%
HK$71,276
baseline
▲ 0.50% · 4.625%
HK$75,613
+HK$4,337/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,552/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,615
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,616
−HK$2,031/mo
Today · 4.125%
HK$78,647
baseline
▲ 0.50% · 4.625%
HK$82,792
+HK$4,145/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,294/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,784 · Scale 2, in force from 26 Feb 2026)