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$37,300
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,460
−HK$1,179/mo
Today · 4.125%
HK$39,639
baseline
▲ 0.50% · 4.625%
HK$42,051
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,278/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,496
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,608
−HK$1,129/mo
Today · 4.125%
HK$43,737
baseline
▲ 0.50% · 4.625%
HK$46,043
+HK$2,306/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,474/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,760
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,152
−HK$1,414/mo
Today · 4.125%
HK$47,566
baseline
▲ 0.50% · 4.625%
HK$50,461
+HK$2,895/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,132/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,795
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,130
−HK$1,355/mo
Today · 4.125%
HK$52,485
baseline
▲ 0.50% · 4.625%
HK$55,251
+HK$2,766/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,970/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,220
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,844
−HK$1,650/mo
Today · 4.125%
HK$55,494
baseline
▲ 0.50% · 4.625%
HK$58,871
+HK$3,377/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,988/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,094
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,652
−HK$1,580/mo
Today · 4.125%
HK$61,232
baseline
▲ 0.50% · 4.625%
HK$64,460
+HK$3,228/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,464/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,139
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,228
−HK$2,122/mo
Today · 4.125%
HK$71,350
baseline
▲ 0.50% · 4.625%
HK$75,691
+HK$4,341/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,700/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,692
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,695
−HK$2,032/mo
Today · 4.125%
HK$78,727
baseline
▲ 0.50% · 4.625%
HK$82,877
+HK$4,150/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,454/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,413 · Scale 2, in force from 26 Feb 2026)