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$37,254
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,413
−HK$1,177/mo
Today · 4.125%
HK$39,590
baseline
▲ 0.50% · 4.625%
HK$41,999
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,180/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,445
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,556
−HK$1,128/mo
Today · 4.125%
HK$43,684
baseline
▲ 0.50% · 4.625%
HK$45,987
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,368/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,705
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,096
−HK$1,412/mo
Today · 4.125%
HK$47,508
baseline
▲ 0.50% · 4.625%
HK$50,399
+HK$2,891/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$95,016/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,734
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,068
−HK$1,353/mo
Today · 4.125%
HK$52,421
baseline
▲ 0.50% · 4.625%
HK$55,184
+HK$2,763/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$104,842/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,156
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,778
−HK$1,649/mo
Today · 4.125%
HK$55,427
baseline
▲ 0.50% · 4.625%
HK$58,799
+HK$3,372/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,854/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,023
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,579
−HK$1,579/mo
Today · 4.125%
HK$61,158
baseline
▲ 0.50% · 4.625%
HK$64,381
+HK$3,223/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,316/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,058
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,143
−HK$2,120/mo
Today · 4.125%
HK$71,263
baseline
▲ 0.50% · 4.625%
HK$75,599
+HK$4,336/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,526/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,601
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,602
−HK$2,029/mo
Today · 4.125%
HK$78,631
baseline
▲ 0.50% · 4.625%
HK$82,776
+HK$4,145/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,262/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,665 · Scale 2, in force from 26 Feb 2026)