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$37,263
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,422
−HK$1,178/mo
Today · 4.125%
HK$39,600
baseline
▲ 0.50% · 4.625%
HK$42,009
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,200/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,455
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,566
−HK$1,128/mo
Today · 4.125%
HK$43,694
baseline
▲ 0.50% · 4.625%
HK$45,997
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,388/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,715
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,106
−HK$1,413/mo
Today · 4.125%
HK$47,519
baseline
▲ 0.50% · 4.625%
HK$50,411
+HK$2,892/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$95,038/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,745
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,080
−HK$1,353/mo
Today · 4.125%
HK$52,433
baseline
▲ 0.50% · 4.625%
HK$55,197
+HK$2,764/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$104,866/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,168
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,791
−HK$1,648/mo
Today · 4.125%
HK$55,439
baseline
▲ 0.50% · 4.625%
HK$58,813
+HK$3,374/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,878/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,036
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,593
−HK$1,579/mo
Today · 4.125%
HK$61,172
baseline
▲ 0.50% · 4.625%
HK$64,396
+HK$3,224/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,344/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,073
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,159
−HK$2,120/mo
Today · 4.125%
HK$71,279
baseline
▲ 0.50% · 4.625%
HK$75,616
+HK$4,337/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,558/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,618
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,619
−HK$2,031/mo
Today · 4.125%
HK$78,650
baseline
▲ 0.50% · 4.625%
HK$82,795
+HK$4,145/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,300/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,807 · Scale 2, in force from 26 Feb 2026)