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$37,351
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,513
−HK$1,181/mo
Today · 4.125%
HK$39,694
baseline
▲ 0.50% · 4.625%
HK$42,109
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,388/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,553
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,667
−HK$1,131/mo
Today · 4.125%
HK$43,798
baseline
▲ 0.50% · 4.625%
HK$46,107
+HK$2,309/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,596/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,822
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,216
−HK$1,416/mo
Today · 4.125%
HK$47,632
baseline
▲ 0.50% · 4.625%
HK$50,531
+HK$2,899/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,264/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,864
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,201
−HK$1,357/mo
Today · 4.125%
HK$52,558
baseline
▲ 0.50% · 4.625%
HK$55,328
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,116/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,292
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,918
−HK$1,653/mo
Today · 4.125%
HK$55,571
baseline
▲ 0.50% · 4.625%
HK$58,952
+HK$3,381/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$111,142/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,174
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,734
−HK$1,583/mo
Today · 4.125%
HK$61,317
baseline
▲ 0.50% · 4.625%
HK$64,549
+HK$3,232/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$122,634/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,232
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,324
−HK$2,124/mo
Today · 4.125%
HK$71,448
baseline
▲ 0.50% · 4.625%
HK$75,796
+HK$4,348/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,896/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,795
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,801
−HK$2,035/mo
Today · 4.125%
HK$78,836
baseline
▲ 0.50% · 4.625%
HK$82,992
+HK$4,156/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,672/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,263 · Scale 2, in force from 26 Feb 2026)