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$37,308
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,468
−HK$1,179/mo
Today · 4.125%
HK$39,647
baseline
▲ 0.50% · 4.625%
HK$42,060
+HK$2,413/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,294/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,504
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,618
−HK$1,129/mo
Today · 4.125%
HK$43,747
baseline
▲ 0.50% · 4.625%
HK$46,053
+HK$2,306/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,494/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,769
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,162
−HK$1,415/mo
Today · 4.125%
HK$47,577
baseline
▲ 0.50% · 4.625%
HK$50,472
+HK$2,895/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$95,154/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,805
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,141
−HK$1,355/mo
Today · 4.125%
HK$52,496
baseline
▲ 0.50% · 4.625%
HK$55,263
+HK$2,767/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$104,992/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,231
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,855
−HK$1,651/mo
Today · 4.125%
HK$55,506
baseline
▲ 0.50% · 4.625%
HK$58,883
+HK$3,377/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$111,012/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,106
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,665
−HK$1,580/mo
Today · 4.125%
HK$61,245
baseline
▲ 0.50% · 4.625%
HK$64,474
+HK$3,229/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,490/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,154
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,243
−HK$2,122/mo
Today · 4.125%
HK$71,365
baseline
▲ 0.50% · 4.625%
HK$75,707
+HK$4,342/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,730/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,708
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,712
−HK$2,032/mo
Today · 4.125%
HK$78,744
baseline
▲ 0.50% · 4.625%
HK$82,895
+HK$4,151/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,488/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,544 · Scale 2, in force from 26 Feb 2026)