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$37,319
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,479
−HK$1,180/mo
Today · 4.125%
HK$39,659
baseline
▲ 0.50% · 4.625%
HK$42,072
+HK$2,413/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,318/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,517
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,630
−HK$1,130/mo
Today · 4.125%
HK$43,760
baseline
▲ 0.50% · 4.625%
HK$46,066
+HK$2,306/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,520/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,782
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,175
−HK$1,415/mo
Today · 4.125%
HK$47,590
baseline
▲ 0.50% · 4.625%
HK$50,486
+HK$2,896/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,180/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,820
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,156
−HK$1,355/mo
Today · 4.125%
HK$52,511
baseline
▲ 0.50% · 4.625%
HK$55,279
+HK$2,768/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,022/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,246
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,871
−HK$1,651/mo
Today · 4.125%
HK$55,522
baseline
▲ 0.50% · 4.625%
HK$58,901
+HK$3,379/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,044/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,123
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,682
−HK$1,581/mo
Today · 4.125%
HK$61,263
baseline
▲ 0.50% · 4.625%
HK$64,493
+HK$3,230/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,526/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,173
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,263
−HK$2,123/mo
Today · 4.125%
HK$71,386
baseline
▲ 0.50% · 4.625%
HK$75,729
+HK$4,343/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,772/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,730
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,734
−HK$2,033/mo
Today · 4.125%
HK$78,767
baseline
▲ 0.50% · 4.625%
HK$82,919
+HK$4,152/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,534/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,723 · Scale 2, in force from 26 Feb 2026)