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$37,322
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,483
−HK$1,179/mo
Today · 4.125%
HK$39,662
baseline
▲ 0.50% · 4.625%
HK$42,075
+HK$2,413/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,324/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,520
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,633
−HK$1,130/mo
Today · 4.125%
HK$43,763
baseline
▲ 0.50% · 4.625%
HK$46,070
+HK$2,307/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,526/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,786
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,179
−HK$1,415/mo
Today · 4.125%
HK$47,594
baseline
▲ 0.50% · 4.625%
HK$50,490
+HK$2,896/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,188/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,824
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,160
−HK$1,356/mo
Today · 4.125%
HK$52,516
baseline
▲ 0.50% · 4.625%
HK$55,284
+HK$2,768/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,032/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,250
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,876
−HK$1,651/mo
Today · 4.125%
HK$55,527
baseline
▲ 0.50% · 4.625%
HK$58,905
+HK$3,378/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,054/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,128
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,687
−HK$1,581/mo
Today · 4.125%
HK$61,268
baseline
▲ 0.50% · 4.625%
HK$64,498
+HK$3,230/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,536/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,179
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,269
−HK$2,123/mo
Today · 4.125%
HK$71,392
baseline
▲ 0.50% · 4.625%
HK$75,736
+HK$4,344/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,784/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,736
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,740
−HK$2,034/mo
Today · 4.125%
HK$78,774
baseline
▲ 0.50% · 4.625%
HK$82,926
+HK$4,152/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,548/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,774 · Scale 2, in force from 26 Feb 2026)