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$37,371
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,533
−HK$1,181/mo
Today · 4.125%
HK$39,714
baseline
▲ 0.50% · 4.625%
HK$42,131
+HK$2,417/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,428/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,575
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,690
−HK$1,131/mo
Today · 4.125%
HK$43,821
baseline
▲ 0.50% · 4.625%
HK$46,131
+HK$2,310/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,642/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,845
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,240
−HK$1,417/mo
Today · 4.125%
HK$47,657
baseline
▲ 0.50% · 4.625%
HK$50,557
+HK$2,900/mo
Deposit HK$6.56M · loan HK$9.83M · min. income ≈ HK$95,314/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,890
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,228
−HK$1,357/mo
Today · 4.125%
HK$52,585
baseline
▲ 0.50% · 4.625%
HK$55,357
+HK$2,772/mo
Deposit HK$6.56M · loan HK$9.83M · min. income ≈ HK$105,170/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,319
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,947
−HK$1,653/mo
Today · 4.125%
HK$55,600
baseline
▲ 0.50% · 4.625%
HK$58,983
+HK$3,383/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$111,200/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,205
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,766
−HK$1,583/mo
Today · 4.125%
HK$61,349
baseline
▲ 0.50% · 4.625%
HK$64,583
+HK$3,234/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$122,698/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,268
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,360
−HK$2,126/mo
Today · 4.125%
HK$71,486
baseline
▲ 0.50% · 4.625%
HK$75,836
+HK$4,350/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$142,972/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,835
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,842
−HK$2,036/mo
Today · 4.125%
HK$78,878
baseline
▲ 0.50% · 4.625%
HK$83,036
+HK$4,158/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,756/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,586 · Scale 2, in force from 26 Feb 2026)