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$37,289
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,449
−HK$1,179/mo
Today · 4.125%
HK$39,628
baseline
▲ 0.50% · 4.625%
HK$42,039
+HK$2,411/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,256/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,484
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,596
−HK$1,129/mo
Today · 4.125%
HK$43,725
baseline
▲ 0.50% · 4.625%
HK$46,030
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,450/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,747
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,139
−HK$1,414/mo
Today · 4.125%
HK$47,553
baseline
▲ 0.50% · 4.625%
HK$50,447
+HK$2,894/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,106/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,781
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,116
−HK$1,354/mo
Today · 4.125%
HK$52,470
baseline
▲ 0.50% · 4.625%
HK$55,236
+HK$2,766/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,940/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,205
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,829
−HK$1,650/mo
Today · 4.125%
HK$55,479
baseline
▲ 0.50% · 4.625%
HK$58,854
+HK$3,375/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,958/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,077
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,635
−HK$1,580/mo
Today · 4.125%
HK$61,215
baseline
▲ 0.50% · 4.625%
HK$64,442
+HK$3,227/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,430/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,121
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,208
−HK$2,122/mo
Today · 4.125%
HK$71,330
baseline
▲ 0.50% · 4.625%
HK$75,670
+HK$4,340/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,660/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,671
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,674
−HK$2,031/mo
Today · 4.125%
HK$78,705
baseline
▲ 0.50% · 4.625%
HK$82,854
+HK$4,149/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,410/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,241 · Scale 2, in force from 26 Feb 2026)