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$37,313
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,474
−HK$1,179/mo
Today · 4.125%
HK$39,653
baseline
▲ 0.50% · 4.625%
HK$42,066
+HK$2,413/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,306/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,511
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,624
−HK$1,129/mo
Today · 4.125%
HK$43,753
baseline
▲ 0.50% · 4.625%
HK$46,060
+HK$2,307/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,506/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,776
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,169
−HK$1,415/mo
Today · 4.125%
HK$47,584
baseline
▲ 0.50% · 4.625%
HK$50,479
+HK$2,895/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,168/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,813
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,149
−HK$1,355/mo
Today · 4.125%
HK$52,504
baseline
▲ 0.50% · 4.625%
HK$55,271
+HK$2,767/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,008/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,239
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,863
−HK$1,651/mo
Today · 4.125%
HK$55,514
baseline
▲ 0.50% · 4.625%
HK$58,892
+HK$3,378/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$111,028/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,115
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,673
−HK$1,582/mo
Today · 4.125%
HK$61,255
baseline
▲ 0.50% · 4.625%
HK$64,483
+HK$3,228/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,510/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,164
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,253
−HK$2,123/mo
Today · 4.125%
HK$71,376
baseline
▲ 0.50% · 4.625%
HK$75,719
+HK$4,343/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,752/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,719
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,723
−HK$2,033/mo
Today · 4.125%
HK$78,756
baseline
▲ 0.50% · 4.625%
HK$82,907
+HK$4,151/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,512/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,636 · Scale 2, in force from 26 Feb 2026)