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$37,346
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,507
−HK$1,180/mo
Today · 4.125%
HK$39,687
baseline
▲ 0.50% · 4.625%
HK$42,102
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,374/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,547
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,661
−HK$1,130/mo
Today · 4.125%
HK$43,791
baseline
▲ 0.50% · 4.625%
HK$46,099
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,582/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,815
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,209
−HK$1,416/mo
Today · 4.125%
HK$47,625
baseline
▲ 0.50% · 4.625%
HK$50,523
+HK$2,898/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,250/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,856
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,193
−HK$1,356/mo
Today · 4.125%
HK$52,549
baseline
▲ 0.50% · 4.625%
HK$55,319
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,098/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,284
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,910
−HK$1,652/mo
Today · 4.125%
HK$55,562
baseline
▲ 0.50% · 4.625%
HK$58,943
+HK$3,381/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,124/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,165
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,725
−HK$1,583/mo
Today · 4.125%
HK$61,308
baseline
▲ 0.50% · 4.625%
HK$64,539
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,616/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,222
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,313
−HK$2,124/mo
Today · 4.125%
HK$71,437
baseline
▲ 0.50% · 4.625%
HK$75,784
+HK$4,347/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,874/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,784
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,789
−HK$2,035/mo
Today · 4.125%
HK$78,824
baseline
▲ 0.50% · 4.625%
HK$82,979
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,648/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,167 · Scale 2, in force from 26 Feb 2026)