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$37,352
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,514
−HK$1,181/mo
Today · 4.125%
HK$39,695
baseline
▲ 0.50% · 4.625%
HK$42,110
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,390/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,554
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,669
−HK$1,130/mo
Today · 4.125%
HK$43,799
baseline
▲ 0.50% · 4.625%
HK$46,108
+HK$2,309/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,598/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,823
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,217
−HK$1,417/mo
Today · 4.125%
HK$47,634
baseline
▲ 0.50% · 4.625%
HK$50,532
+HK$2,898/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,268/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,865
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,202
−HK$1,357/mo
Today · 4.125%
HK$52,559
baseline
▲ 0.50% · 4.625%
HK$55,330
+HK$2,771/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,118/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,293
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,920
−HK$1,653/mo
Today · 4.125%
HK$55,573
baseline
▲ 0.50% · 4.625%
HK$58,954
+HK$3,381/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$111,146/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,176
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,736
−HK$1,583/mo
Today · 4.125%
HK$61,319
baseline
▲ 0.50% · 4.625%
HK$64,551
+HK$3,232/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$122,638/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,234
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,326
−HK$2,125/mo
Today · 4.125%
HK$71,451
baseline
▲ 0.50% · 4.625%
HK$75,798
+HK$4,347/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,902/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,798
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,804
−HK$2,035/mo
Today · 4.125%
HK$78,839
baseline
▲ 0.50% · 4.625%
HK$82,994
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,678/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,281 · Scale 2, in force from 26 Feb 2026)