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$37,355
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,517
−HK$1,180/mo
Today · 4.125%
HK$39,697
baseline
▲ 0.50% · 4.625%
HK$42,113
+HK$2,416/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,394/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,557
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,671
−HK$1,131/mo
Today · 4.125%
HK$43,802
baseline
▲ 0.50% · 4.625%
HK$46,111
+HK$2,309/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,604/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,826
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,220
−HK$1,417/mo
Today · 4.125%
HK$47,637
baseline
▲ 0.50% · 4.625%
HK$50,535
+HK$2,898/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,274/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,868
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,206
−HK$1,356/mo
Today · 4.125%
HK$52,562
baseline
▲ 0.50% · 4.625%
HK$55,333
+HK$2,771/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,124/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,297
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,923
−HK$1,653/mo
Today · 4.125%
HK$55,576
baseline
▲ 0.50% · 4.625%
HK$58,958
+HK$3,382/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$111,152/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,179
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,740
−HK$1,583/mo
Today · 4.125%
HK$61,323
baseline
▲ 0.50% · 4.625%
HK$64,555
+HK$3,232/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$122,646/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,238
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,330
−HK$2,125/mo
Today · 4.125%
HK$71,455
baseline
▲ 0.50% · 4.625%
HK$75,803
+HK$4,348/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,910/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,802
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,808
−HK$2,035/mo
Today · 4.125%
HK$78,843
baseline
▲ 0.50% · 4.625%
HK$82,999
+HK$4,156/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,686/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,318 · Scale 2, in force from 26 Feb 2026)