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$37,367
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,529
−HK$1,181/mo
Today · 4.125%
HK$39,710
baseline
▲ 0.50% · 4.625%
HK$42,126
+HK$2,416/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,420/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,570
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,685
−HK$1,131/mo
Today · 4.125%
HK$43,816
baseline
▲ 0.50% · 4.625%
HK$46,125
+HK$2,309/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,632/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,840
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,235
−HK$1,417/mo
Today · 4.125%
HK$47,652
baseline
▲ 0.50% · 4.625%
HK$50,551
+HK$2,899/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,304/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,884
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,222
−HK$1,357/mo
Today · 4.125%
HK$52,579
baseline
▲ 0.50% · 4.625%
HK$55,351
+HK$2,772/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,158/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,313
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,940
−HK$1,654/mo
Today · 4.125%
HK$55,594
baseline
▲ 0.50% · 4.625%
HK$58,976
+HK$3,382/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$111,188/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,198
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,759
−HK$1,583/mo
Today · 4.125%
HK$61,342
baseline
▲ 0.50% · 4.625%
HK$64,576
+HK$3,234/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$122,684/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,260
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,352
−HK$2,126/mo
Today · 4.125%
HK$71,478
baseline
▲ 0.50% · 4.625%
HK$75,827
+HK$4,349/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$142,956/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,826
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,833
−HK$2,036/mo
Today · 4.125%
HK$78,869
baseline
▲ 0.50% · 4.625%
HK$83,026
+HK$4,157/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,738/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,513 · Scale 2, in force from 26 Feb 2026)