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$37,260
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,419
−HK$1,178/mo
Today · 4.125%
HK$39,597
baseline
▲ 0.50% · 4.625%
HK$42,006
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,194/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,452
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,564
−HK$1,127/mo
Today · 4.125%
HK$43,691
baseline
▲ 0.50% · 4.625%
HK$45,994
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,382/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,712
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,103
−HK$1,413/mo
Today · 4.125%
HK$47,516
baseline
▲ 0.50% · 4.625%
HK$50,408
+HK$2,892/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$95,032/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,742
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,076
−HK$1,354/mo
Today · 4.125%
HK$52,430
baseline
▲ 0.50% · 4.625%
HK$55,193
+HK$2,763/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$104,860/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,165
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,787
−HK$1,649/mo
Today · 4.125%
HK$55,436
baseline
▲ 0.50% · 4.625%
HK$58,809
+HK$3,373/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,872/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,033
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,589
−HK$1,579/mo
Today · 4.125%
HK$61,168
baseline
▲ 0.50% · 4.625%
HK$64,392
+HK$3,224/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,336/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,069
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,155
−HK$2,120/mo
Today · 4.125%
HK$71,275
baseline
▲ 0.50% · 4.625%
HK$75,611
+HK$4,336/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,550/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,613
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,614
−HK$2,030/mo
Today · 4.125%
HK$78,644
baseline
▲ 0.50% · 4.625%
HK$82,790
+HK$4,146/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,288/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,767 · Scale 2, in force from 26 Feb 2026)