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$37,344
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,505
−HK$1,180/mo
Today · 4.125%
HK$39,685
baseline
▲ 0.50% · 4.625%
HK$42,100
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,370/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,544
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,659
−HK$1,130/mo
Today · 4.125%
HK$43,789
baseline
▲ 0.50% · 4.625%
HK$46,097
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,578/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,812
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,206
−HK$1,417/mo
Today · 4.125%
HK$47,623
baseline
▲ 0.50% · 4.625%
HK$50,520
+HK$2,897/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,246/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,853
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,190
−HK$1,357/mo
Today · 4.125%
HK$52,547
baseline
▲ 0.50% · 4.625%
HK$55,317
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,094/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,281
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,907
−HK$1,653/mo
Today · 4.125%
HK$55,560
baseline
▲ 0.50% · 4.625%
HK$58,940
+HK$3,380/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,120/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,162
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,722
−HK$1,583/mo
Today · 4.125%
HK$61,305
baseline
▲ 0.50% · 4.625%
HK$64,536
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,610/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,219
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,310
−HK$2,124/mo
Today · 4.125%
HK$71,434
baseline
▲ 0.50% · 4.625%
HK$75,780
+HK$4,346/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,868/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,780
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,786
−HK$2,034/mo
Today · 4.125%
HK$78,820
baseline
▲ 0.50% · 4.625%
HK$82,975
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,640/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,137 · Scale 2, in force from 26 Feb 2026)