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$37,327
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,488
−HK$1,180/mo
Today · 4.125%
HK$39,668
baseline
▲ 0.50% · 4.625%
HK$42,081
+HK$2,413/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,336/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,526
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,640
−HK$1,129/mo
Today · 4.125%
HK$43,769
baseline
▲ 0.50% · 4.625%
HK$46,076
+HK$2,307/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,538/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,792
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,186
−HK$1,415/mo
Today · 4.125%
HK$47,601
baseline
▲ 0.50% · 4.625%
HK$50,498
+HK$2,897/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,202/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,831
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,167
−HK$1,356/mo
Today · 4.125%
HK$52,523
baseline
▲ 0.50% · 4.625%
HK$55,292
+HK$2,769/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,046/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,258
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,883
−HK$1,652/mo
Today · 4.125%
HK$55,535
baseline
▲ 0.50% · 4.625%
HK$58,914
+HK$3,379/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,070/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,136
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,695
−HK$1,582/mo
Today · 4.125%
HK$61,277
baseline
▲ 0.50% · 4.625%
HK$64,507
+HK$3,230/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,554/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,188
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,278
−HK$2,124/mo
Today · 4.125%
HK$71,402
baseline
▲ 0.50% · 4.625%
HK$75,746
+HK$4,344/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,804/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,746
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,751
−HK$2,034/mo
Today · 4.125%
HK$78,785
baseline
▲ 0.50% · 4.625%
HK$82,938
+HK$4,153/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,570/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,861 · Scale 2, in force from 26 Feb 2026)