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$37,282
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,442
−HK$1,178/mo
Today · 4.125%
HK$39,620
baseline
▲ 0.50% · 4.625%
HK$42,031
+HK$2,411/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,240/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,476
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,588
−HK$1,129/mo
Today · 4.125%
HK$43,717
baseline
▲ 0.50% · 4.625%
HK$46,021
+HK$2,304/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,434/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,738
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,130
−HK$1,414/mo
Today · 4.125%
HK$47,544
baseline
▲ 0.50% · 4.625%
HK$50,437
+HK$2,893/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,088/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,771
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,106
−HK$1,354/mo
Today · 4.125%
HK$52,460
baseline
▲ 0.50% · 4.625%
HK$55,225
+HK$2,765/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,920/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,195
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,818
−HK$1,650/mo
Today · 4.125%
HK$55,468
baseline
▲ 0.50% · 4.625%
HK$58,843
+HK$3,375/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,936/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,066
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,624
−HK$1,579/mo
Today · 4.125%
HK$61,203
baseline
▲ 0.50% · 4.625%
HK$64,430
+HK$3,227/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,406/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,108
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,195
−HK$2,121/mo
Today · 4.125%
HK$71,316
baseline
▲ 0.50% · 4.625%
HK$75,655
+HK$4,339/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,632/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,657
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,659
−HK$2,031/mo
Today · 4.125%
HK$78,690
baseline
▲ 0.50% · 4.625%
HK$82,838
+HK$4,148/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,380/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,123 · Scale 2, in force from 26 Feb 2026)