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$37,374
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,537
−HK$1,181/mo
Today · 4.125%
HK$39,718
baseline
▲ 0.50% · 4.625%
HK$42,135
+HK$2,417/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,436/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,579
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,694
−HK$1,131/mo
Today · 4.125%
HK$43,825
baseline
▲ 0.50% · 4.625%
HK$46,135
+HK$2,310/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,650/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,849
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,244
−HK$1,418/mo
Today · 4.125%
HK$47,662
baseline
▲ 0.50% · 4.625%
HK$50,562
+HK$2,900/mo
Deposit HK$6.56M · loan HK$9.83M · min. income ≈ HK$95,324/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,894
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,232
−HK$1,358/mo
Today · 4.125%
HK$52,590
baseline
▲ 0.50% · 4.625%
HK$55,362
+HK$2,772/mo
Deposit HK$6.56M · loan HK$9.83M · min. income ≈ HK$105,180/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,324
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,952
−HK$1,653/mo
Today · 4.125%
HK$55,605
baseline
▲ 0.50% · 4.625%
HK$58,989
+HK$3,384/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$111,210/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,210
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,771
−HK$1,584/mo
Today · 4.125%
HK$61,355
baseline
▲ 0.50% · 4.625%
HK$64,589
+HK$3,234/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$122,710/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,274
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,366
−HK$2,126/mo
Today · 4.125%
HK$71,492
baseline
▲ 0.50% · 4.625%
HK$75,843
+HK$4,351/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$142,984/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,841
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,849
−HK$2,036/mo
Today · 4.125%
HK$78,885
baseline
▲ 0.50% · 4.625%
HK$83,043
+HK$4,158/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,770/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,641 · Scale 2, in force from 26 Feb 2026)