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$37,349
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,511
−HK$1,180/mo
Today · 4.125%
HK$39,691
baseline
▲ 0.50% · 4.625%
HK$42,106
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,382/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,550
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,665
−HK$1,130/mo
Today · 4.125%
HK$43,795
baseline
▲ 0.50% · 4.625%
HK$46,104
+HK$2,309/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,590/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,819
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,213
−HK$1,416/mo
Today · 4.125%
HK$47,629
baseline
▲ 0.50% · 4.625%
HK$50,527
+HK$2,898/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,258/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,860
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,197
−HK$1,357/mo
Today · 4.125%
HK$52,554
baseline
▲ 0.50% · 4.625%
HK$55,324
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,108/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,288
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,915
−HK$1,652/mo
Today · 4.125%
HK$55,567
baseline
▲ 0.50% · 4.625%
HK$58,948
+HK$3,381/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$111,134/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,170
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,730
−HK$1,583/mo
Today · 4.125%
HK$61,313
baseline
▲ 0.50% · 4.625%
HK$64,545
+HK$3,232/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$122,626/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,228
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,319
−HK$2,125/mo
Today · 4.125%
HK$71,444
baseline
▲ 0.50% · 4.625%
HK$75,791
+HK$4,347/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,888/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,790
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,796
−HK$2,035/mo
Today · 4.125%
HK$78,831
baseline
▲ 0.50% · 4.625%
HK$82,986
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,662/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,221 · Scale 2, in force from 26 Feb 2026)