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$37,305
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,465
−HK$1,179/mo
Today · 4.125%
HK$39,644
baseline
▲ 0.50% · 4.625%
HK$42,056
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,288/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,501
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,614
−HK$1,129/mo
Today · 4.125%
HK$43,743
baseline
▲ 0.50% · 4.625%
HK$46,049
+HK$2,306/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,486/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,766
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,158
−HK$1,415/mo
Today · 4.125%
HK$47,573
baseline
▲ 0.50% · 4.625%
HK$50,467
+HK$2,894/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$95,146/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,801
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,137
−HK$1,355/mo
Today · 4.125%
HK$52,492
baseline
▲ 0.50% · 4.625%
HK$55,259
+HK$2,767/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$104,984/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,226
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,851
−HK$1,651/mo
Today · 4.125%
HK$55,502
baseline
▲ 0.50% · 4.625%
HK$58,879
+HK$3,377/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$111,004/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,101
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,660
−HK$1,580/mo
Today · 4.125%
HK$61,240
baseline
▲ 0.50% · 4.625%
HK$64,469
+HK$3,229/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,480/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,148
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,237
−HK$2,122/mo
Today · 4.125%
HK$71,359
baseline
▲ 0.50% · 4.625%
HK$75,701
+HK$4,342/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,718/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,702
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,705
−HK$2,033/mo
Today · 4.125%
HK$78,738
baseline
▲ 0.50% · 4.625%
HK$82,888
+HK$4,150/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,476/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,494 · Scale 2, in force from 26 Feb 2026)