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$37,294
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,454
−HK$1,179/mo
Today · 4.125%
HK$39,633
baseline
▲ 0.50% · 4.625%
HK$42,045
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,266/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,490
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,602
−HK$1,129/mo
Today · 4.125%
HK$43,731
baseline
▲ 0.50% · 4.625%
HK$46,036
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,462/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,753
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,145
−HK$1,415/mo
Today · 4.125%
HK$47,560
baseline
▲ 0.50% · 4.625%
HK$50,453
+HK$2,893/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,120/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,787
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,123
−HK$1,354/mo
Today · 4.125%
HK$52,477
baseline
▲ 0.50% · 4.625%
HK$55,243
+HK$2,766/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,954/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,212
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,836
−HK$1,650/mo
Today · 4.125%
HK$55,486
baseline
▲ 0.50% · 4.625%
HK$58,862
+HK$3,376/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,972/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,085
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,643
−HK$1,581/mo
Today · 4.125%
HK$61,224
baseline
▲ 0.50% · 4.625%
HK$64,451
+HK$3,227/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,448/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,130
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,218
−HK$2,121/mo
Today · 4.125%
HK$71,339
baseline
▲ 0.50% · 4.625%
HK$75,680
+HK$4,341/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,678/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,681
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,684
−HK$2,032/mo
Today · 4.125%
HK$78,716
baseline
▲ 0.50% · 4.625%
HK$82,865
+HK$4,149/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,432/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,325 · Scale 2, in force from 26 Feb 2026)