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$37,346
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,508
−HK$1,180/mo
Today · 4.125%
HK$39,688
baseline
▲ 0.50% · 4.625%
HK$42,103
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,376/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,547
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,661
−HK$1,131/mo
Today · 4.125%
HK$43,792
baseline
▲ 0.50% · 4.625%
HK$46,100
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,584/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,815
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,209
−HK$1,417/mo
Today · 4.125%
HK$47,626
baseline
▲ 0.50% · 4.625%
HK$50,524
+HK$2,898/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,252/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,857
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,194
−HK$1,356/mo
Today · 4.125%
HK$52,550
baseline
▲ 0.50% · 4.625%
HK$55,320
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,100/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,285
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,911
−HK$1,652/mo
Today · 4.125%
HK$55,563
baseline
▲ 0.50% · 4.625%
HK$58,944
+HK$3,381/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,126/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,166
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,726
−HK$1,583/mo
Today · 4.125%
HK$61,309
baseline
▲ 0.50% · 4.625%
HK$64,540
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,618/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,223
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,314
−HK$2,124/mo
Today · 4.125%
HK$71,438
baseline
▲ 0.50% · 4.625%
HK$75,785
+HK$4,347/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,876/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,785
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,791
−HK$2,034/mo
Today · 4.125%
HK$78,825
baseline
▲ 0.50% · 4.625%
HK$82,980
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,650/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,177 · Scale 2, in force from 26 Feb 2026)