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$37,275
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,434
−HK$1,178/mo
Today · 4.125%
HK$39,612
baseline
▲ 0.50% · 4.625%
HK$42,023
+HK$2,411/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,224/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,468
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,580
−HK$1,128/mo
Today · 4.125%
HK$43,708
baseline
▲ 0.50% · 4.625%
HK$46,012
+HK$2,304/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,416/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,730
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,121
−HK$1,414/mo
Today · 4.125%
HK$47,535
baseline
▲ 0.50% · 4.625%
HK$50,427
+HK$2,892/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,070/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,762
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,096
−HK$1,354/mo
Today · 4.125%
HK$52,450
baseline
▲ 0.50% · 4.625%
HK$55,215
+HK$2,765/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,900/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,185
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,808
−HK$1,649/mo
Today · 4.125%
HK$55,457
baseline
▲ 0.50% · 4.625%
HK$58,832
+HK$3,375/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,914/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,055
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,612
−HK$1,580/mo
Today · 4.125%
HK$61,192
baseline
▲ 0.50% · 4.625%
HK$64,417
+HK$3,225/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,384/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,095
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,182
−HK$2,120/mo
Today · 4.125%
HK$71,302
baseline
▲ 0.50% · 4.625%
HK$75,641
+HK$4,339/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,604/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,643
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,644
−HK$2,031/mo
Today · 4.125%
HK$78,675
baseline
▲ 0.50% · 4.625%
HK$82,822
+HK$4,147/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,350/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,007 · Scale 2, in force from 26 Feb 2026)