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$37,331
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,492
−HK$1,180/mo
Today · 4.125%
HK$39,672
baseline
▲ 0.50% · 4.625%
HK$42,086
+HK$2,414/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,344/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,530
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,644
−HK$1,130/mo
Today · 4.125%
HK$43,774
baseline
▲ 0.50% · 4.625%
HK$46,081
+HK$2,307/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,548/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,797
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,190
−HK$1,416/mo
Today · 4.125%
HK$47,606
baseline
▲ 0.50% · 4.625%
HK$50,503
+HK$2,897/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,212/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,836
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,173
−HK$1,356/mo
Today · 4.125%
HK$52,529
baseline
▲ 0.50% · 4.625%
HK$55,297
+HK$2,768/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,058/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,263
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,889
−HK$1,651/mo
Today · 4.125%
HK$55,540
baseline
▲ 0.50% · 4.625%
HK$58,920
+HK$3,380/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,080/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$613,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,142
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,701
−HK$1,582/mo
Today · 4.125%
HK$61,283
baseline
▲ 0.50% · 4.625%
HK$64,514
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,566/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$613,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,195
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,285
−HK$2,124/mo
Today · 4.125%
HK$71,409
baseline
▲ 0.50% · 4.625%
HK$75,754
+HK$4,345/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,818/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,754
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,759
−HK$2,034/mo
Today · 4.125%
HK$78,793
baseline
▲ 0.50% · 4.625%
HK$82,946
+HK$4,153/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,586/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,923 · Scale 2, in force from 26 Feb 2026)