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$37,288
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,447
−HK$1,179/mo
Today · 4.125%
HK$39,626
baseline
▲ 0.50% · 4.625%
HK$42,037
+HK$2,411/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,252/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,482
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,595
−HK$1,128/mo
Today · 4.125%
HK$43,723
baseline
▲ 0.50% · 4.625%
HK$46,028
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,446/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,745
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,137
−HK$1,414/mo
Today · 4.125%
HK$47,551
baseline
▲ 0.50% · 4.625%
HK$50,444
+HK$2,893/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,102/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,778
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,113
−HK$1,355/mo
Today · 4.125%
HK$52,468
baseline
▲ 0.50% · 4.625%
HK$55,233
+HK$2,765/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,936/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,203
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,826
−HK$1,650/mo
Today · 4.125%
HK$55,476
baseline
▲ 0.50% · 4.625%
HK$58,852
+HK$3,376/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,952/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,075
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,632
−HK$1,580/mo
Today · 4.125%
HK$61,212
baseline
▲ 0.50% · 4.625%
HK$64,439
+HK$3,227/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,424/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,118
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,205
−HK$2,121/mo
Today · 4.125%
HK$71,326
baseline
▲ 0.50% · 4.625%
HK$75,666
+HK$4,340/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,652/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,668
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,670
−HK$2,032/mo
Today · 4.125%
HK$78,702
baseline
▲ 0.50% · 4.625%
HK$82,850
+HK$4,148/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,404/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,213 · Scale 2, in force from 26 Feb 2026)