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$37,307
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,468
−HK$1,179/mo
Today · 4.125%
HK$39,647
baseline
▲ 0.50% · 4.625%
HK$42,059
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,294/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,504
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,617
−HK$1,129/mo
Today · 4.125%
HK$43,746
baseline
▲ 0.50% · 4.625%
HK$46,052
+HK$2,306/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,492/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,769
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,161
−HK$1,415/mo
Today · 4.125%
HK$47,576
baseline
▲ 0.50% · 4.625%
HK$50,471
+HK$2,895/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$95,152/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,805
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,140
−HK$1,355/mo
Today · 4.125%
HK$52,495
baseline
▲ 0.50% · 4.625%
HK$55,262
+HK$2,767/mo
Deposit HK$6.54M · loan HK$9.82M · min. income ≈ HK$104,990/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,230
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,855
−HK$1,650/mo
Today · 4.125%
HK$55,505
baseline
▲ 0.50% · 4.625%
HK$58,883
+HK$3,378/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$111,010/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,105
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,664
−HK$1,581/mo
Today · 4.125%
HK$61,245
baseline
▲ 0.50% · 4.625%
HK$64,473
+HK$3,228/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,490/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,153
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,242
−HK$2,122/mo
Today · 4.125%
HK$71,364
baseline
▲ 0.50% · 4.625%
HK$75,706
+HK$4,342/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,728/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,707
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,710
−HK$2,033/mo
Today · 4.125%
HK$78,743
baseline
▲ 0.50% · 4.625%
HK$82,894
+HK$4,151/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,486/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,535 · Scale 2, in force from 26 Feb 2026)