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$37,348
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,510
−HK$1,180/mo
Today · 4.125%
HK$39,690
baseline
▲ 0.50% · 4.625%
HK$42,105
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,380/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,549
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,663
−HK$1,131/mo
Today · 4.125%
HK$43,794
baseline
▲ 0.50% · 4.625%
HK$46,102
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,588/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,817
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,211
−HK$1,417/mo
Today · 4.125%
HK$47,628
baseline
▲ 0.50% · 4.625%
HK$50,526
+HK$2,898/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,256/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,859
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,196
−HK$1,357/mo
Today · 4.125%
HK$52,553
baseline
▲ 0.50% · 4.625%
HK$55,323
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,106/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,287
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,913
−HK$1,653/mo
Today · 4.125%
HK$55,566
baseline
▲ 0.50% · 4.625%
HK$58,947
+HK$3,381/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$111,132/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,169
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,729
−HK$1,582/mo
Today · 4.125%
HK$61,311
baseline
▲ 0.50% · 4.625%
HK$64,543
+HK$3,232/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$122,622/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,226
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,317
−HK$2,125/mo
Today · 4.125%
HK$71,442
baseline
▲ 0.50% · 4.625%
HK$75,789
+HK$4,347/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,884/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,788
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,794
−HK$2,035/mo
Today · 4.125%
HK$78,829
baseline
▲ 0.50% · 4.625%
HK$82,984
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,658/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,205 · Scale 2, in force from 26 Feb 2026)