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$37,314
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,474
−HK$1,180/mo
Today · 4.125%
HK$39,654
baseline
▲ 0.50% · 4.625%
HK$42,066
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,308/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,511
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,624
−HK$1,130/mo
Today · 4.125%
HK$43,754
baseline
▲ 0.50% · 4.625%
HK$46,060
+HK$2,306/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,508/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,777
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,169
−HK$1,415/mo
Today · 4.125%
HK$47,584
baseline
▲ 0.50% · 4.625%
HK$50,480
+HK$2,896/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,168/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,813
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,149
−HK$1,356/mo
Today · 4.125%
HK$52,505
baseline
▲ 0.50% · 4.625%
HK$55,272
+HK$2,767/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,010/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,239
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,864
−HK$1,651/mo
Today · 4.125%
HK$55,515
baseline
▲ 0.50% · 4.625%
HK$58,893
+HK$3,378/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$111,030/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,116
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,674
−HK$1,581/mo
Today · 4.125%
HK$61,255
baseline
▲ 0.50% · 4.625%
HK$64,484
+HK$3,229/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,510/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,165
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,254
−HK$2,123/mo
Today · 4.125%
HK$71,377
baseline
▲ 0.50% · 4.625%
HK$75,720
+HK$4,343/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,754/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,720
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,724
−HK$2,033/mo
Today · 4.125%
HK$78,757
baseline
▲ 0.50% · 4.625%
HK$82,908
+HK$4,151/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,514/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,645 · Scale 2, in force from 26 Feb 2026)