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$37,259
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,418
−HK$1,177/mo
Today · 4.125%
HK$39,595
baseline
▲ 0.50% · 4.625%
HK$42,004
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,190/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,450
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,562
−HK$1,127/mo
Today · 4.125%
HK$43,689
baseline
▲ 0.50% · 4.625%
HK$45,992
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,378/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,710
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,101
−HK$1,413/mo
Today · 4.125%
HK$47,514
baseline
▲ 0.50% · 4.625%
HK$50,405
+HK$2,891/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$95,028/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,740
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,074
−HK$1,353/mo
Today · 4.125%
HK$52,427
baseline
▲ 0.50% · 4.625%
HK$55,191
+HK$2,764/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$104,854/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,162
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,785
−HK$1,648/mo
Today · 4.125%
HK$55,433
baseline
▲ 0.50% · 4.625%
HK$58,806
+HK$3,373/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,866/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,030
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,586
−HK$1,579/mo
Today · 4.125%
HK$61,165
baseline
▲ 0.50% · 4.625%
HK$64,389
+HK$3,224/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,330/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,066
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,152
−HK$2,119/mo
Today · 4.125%
HK$71,271
baseline
▲ 0.50% · 4.625%
HK$75,608
+HK$4,337/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,542/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,610
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,611
−HK$2,030/mo
Today · 4.125%
HK$78,641
baseline
▲ 0.50% · 4.625%
HK$82,786
+HK$4,145/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,282/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,738 · Scale 2, in force from 26 Feb 2026)