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$37,356
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,518
−HK$1,181/mo
Today · 4.125%
HK$39,699
baseline
▲ 0.50% · 4.625%
HK$42,115
+HK$2,416/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,398/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,559
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,673
−HK$1,131/mo
Today · 4.125%
HK$43,804
baseline
▲ 0.50% · 4.625%
HK$46,113
+HK$2,309/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,608/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,828
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,222
−HK$1,417/mo
Today · 4.125%
HK$47,639
baseline
▲ 0.50% · 4.625%
HK$50,537
+HK$2,898/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,278/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,870
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,208
−HK$1,357/mo
Today · 4.125%
HK$52,565
baseline
▲ 0.50% · 4.625%
HK$55,335
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,130/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,299
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,926
−HK$1,653/mo
Today · 4.125%
HK$55,579
baseline
▲ 0.50% · 4.625%
HK$58,960
+HK$3,381/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$111,158/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,182
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,742
−HK$1,583/mo
Today · 4.125%
HK$61,325
baseline
▲ 0.50% · 4.625%
HK$64,558
+HK$3,233/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$122,650/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,241
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,333
−HK$2,125/mo
Today · 4.125%
HK$71,458
baseline
▲ 0.50% · 4.625%
HK$75,806
+HK$4,348/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,916/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,805
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,812
−HK$2,035/mo
Today · 4.125%
HK$78,847
baseline
▲ 0.50% · 4.625%
HK$83,003
+HK$4,156/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,694/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,345 · Scale 2, in force from 26 Feb 2026)