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$37,332
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,494
−HK$1,179/mo
Today · 4.125%
HK$39,673
baseline
▲ 0.50% · 4.625%
HK$42,088
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,346/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,532
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,646
−HK$1,130/mo
Today · 4.125%
HK$43,776
baseline
▲ 0.50% · 4.625%
HK$46,083
+HK$2,307/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,552/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,799
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,192
−HK$1,416/mo
Today · 4.125%
HK$47,608
baseline
▲ 0.50% · 4.625%
HK$50,505
+HK$2,897/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,216/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,838
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,175
−HK$1,356/mo
Today · 4.125%
HK$52,531
baseline
▲ 0.50% · 4.625%
HK$55,300
+HK$2,769/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,062/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,265
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,891
−HK$1,652/mo
Today · 4.125%
HK$55,543
baseline
▲ 0.50% · 4.625%
HK$58,923
+HK$3,380/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,086/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$613,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,145
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,704
−HK$1,582/mo
Today · 4.125%
HK$61,286
baseline
▲ 0.50% · 4.625%
HK$64,517
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,572/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$613,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,198
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,289
−HK$2,123/mo
Today · 4.125%
HK$71,412
baseline
▲ 0.50% · 4.625%
HK$75,758
+HK$4,346/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,824/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,757
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,762
−HK$2,034/mo
Today · 4.125%
HK$78,796
baseline
▲ 0.50% · 4.625%
HK$82,950
+HK$4,154/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,592/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,951 · Scale 2, in force from 26 Feb 2026)