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$37,317
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,477
−HK$1,180/mo
Today · 4.125%
HK$39,657
baseline
▲ 0.50% · 4.625%
HK$42,070
+HK$2,413/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,314/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,514
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,628
−HK$1,129/mo
Today · 4.125%
HK$43,757
baseline
▲ 0.50% · 4.625%
HK$46,064
+HK$2,307/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,514/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,780
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,173
−HK$1,415/mo
Today · 4.125%
HK$47,588
baseline
▲ 0.50% · 4.625%
HK$50,484
+HK$2,896/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,176/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,817
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,153
−HK$1,356/mo
Today · 4.125%
HK$52,509
baseline
▲ 0.50% · 4.625%
HK$55,276
+HK$2,767/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,018/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,243
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,868
−HK$1,651/mo
Today · 4.125%
HK$55,519
baseline
▲ 0.50% · 4.625%
HK$58,898
+HK$3,379/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,038/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,120
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,679
−HK$1,581/mo
Today · 4.125%
HK$61,260
baseline
▲ 0.50% · 4.625%
HK$64,489
+HK$3,229/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,520/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,170
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,259
−HK$2,123/mo
Today · 4.125%
HK$71,382
baseline
▲ 0.50% · 4.625%
HK$75,725
+HK$4,343/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,764/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,726
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,730
−HK$2,033/mo
Today · 4.125%
HK$78,763
baseline
▲ 0.50% · 4.625%
HK$82,915
+HK$4,152/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,526/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,691 · Scale 2, in force from 26 Feb 2026)