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$37,336
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,498
−HK$1,179/mo
Today · 4.125%
HK$39,677
baseline
▲ 0.50% · 4.625%
HK$42,092
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,354/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,536
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,650
−HK$1,130/mo
Today · 4.125%
HK$43,780
baseline
▲ 0.50% · 4.625%
HK$46,088
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,560/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,803
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,197
−HK$1,416/mo
Today · 4.125%
HK$47,613
baseline
▲ 0.50% · 4.625%
HK$50,510
+HK$2,897/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,226/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,843
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,180
−HK$1,356/mo
Today · 4.125%
HK$52,536
baseline
▲ 0.50% · 4.625%
HK$55,305
+HK$2,769/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,072/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,271
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,897
−HK$1,651/mo
Today · 4.125%
HK$55,548
baseline
▲ 0.50% · 4.625%
HK$58,928
+HK$3,380/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,096/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,151
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,710
−HK$1,582/mo
Today · 4.125%
HK$61,292
baseline
▲ 0.50% · 4.625%
HK$64,523
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,584/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,205
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,296
−HK$2,123/mo
Today · 4.125%
HK$71,419
baseline
▲ 0.50% · 4.625%
HK$75,765
+HK$4,346/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,838/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,765
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,770
−HK$2,034/mo
Today · 4.125%
HK$78,804
baseline
▲ 0.50% · 4.625%
HK$82,958
+HK$4,154/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,608/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,013 · Scale 2, in force from 26 Feb 2026)