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$37,314
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,475
−HK$1,179/mo
Today · 4.125%
HK$39,654
baseline
▲ 0.50% · 4.625%
HK$42,067
+HK$2,413/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,308/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,512
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,625
−HK$1,129/mo
Today · 4.125%
HK$43,754
baseline
▲ 0.50% · 4.625%
HK$46,061
+HK$2,307/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,508/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,777
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,170
−HK$1,415/mo
Today · 4.125%
HK$47,585
baseline
▲ 0.50% · 4.625%
HK$50,480
+HK$2,895/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,170/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,814
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,150
−HK$1,355/mo
Today · 4.125%
HK$52,505
baseline
▲ 0.50% · 4.625%
HK$55,273
+HK$2,768/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,010/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,240
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,865
−HK$1,651/mo
Today · 4.125%
HK$55,516
baseline
▲ 0.50% · 4.625%
HK$58,894
+HK$3,378/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$111,032/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,116
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,675
−HK$1,581/mo
Today · 4.125%
HK$61,256
baseline
▲ 0.50% · 4.625%
HK$64,485
+HK$3,229/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,512/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,165
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,255
−HK$2,122/mo
Today · 4.125%
HK$71,377
baseline
▲ 0.50% · 4.625%
HK$75,720
+HK$4,343/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,754/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,721
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,725
−HK$2,033/mo
Today · 4.125%
HK$78,758
baseline
▲ 0.50% · 4.625%
HK$82,909
+HK$4,151/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,516/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,650 · Scale 2, in force from 26 Feb 2026)