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$37,243
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,401
−HK$1,177/mo
Today · 4.125%
HK$39,578
baseline
▲ 0.50% · 4.625%
HK$41,986
+HK$2,408/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,156/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,432
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,543
−HK$1,127/mo
Today · 4.125%
HK$43,670
baseline
▲ 0.50% · 4.625%
HK$45,972
+HK$2,302/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,340/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,691
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,081
−HK$1,413/mo
Today · 4.125%
HK$47,494
baseline
▲ 0.50% · 4.625%
HK$50,383
+HK$2,889/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,988/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,718
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,052
−HK$1,352/mo
Today · 4.125%
HK$52,404
baseline
▲ 0.50% · 4.625%
HK$55,167
+HK$2,763/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,808/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,140
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,761
−HK$1,648/mo
Today · 4.125%
HK$55,409
baseline
▲ 0.50% · 4.625%
HK$58,781
+HK$3,372/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,818/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,005
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,560
−HK$1,579/mo
Today · 4.125%
HK$61,139
baseline
▲ 0.50% · 4.625%
HK$64,361
+HK$3,222/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,278/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,037
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,122
−HK$2,118/mo
Today · 4.125%
HK$71,240
baseline
▲ 0.50% · 4.625%
HK$75,575
+HK$4,335/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,480/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,578
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,578
−HK$2,029/mo
Today · 4.125%
HK$78,607
baseline
▲ 0.50% · 4.625%
HK$82,750
+HK$4,143/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,214/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,473 · Scale 2, in force from 26 Feb 2026)