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$37,248
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,406
−HK$1,177/mo
Today · 4.125%
HK$39,583
baseline
▲ 0.50% · 4.625%
HK$41,992
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,166/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,438
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,549
−HK$1,127/mo
Today · 4.125%
HK$43,676
baseline
▲ 0.50% · 4.625%
HK$45,979
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,352/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,697
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,087
−HK$1,413/mo
Today · 4.125%
HK$47,500
baseline
▲ 0.50% · 4.625%
HK$50,390
+HK$2,890/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$95,000/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,725
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,059
−HK$1,353/mo
Today · 4.125%
HK$52,412
baseline
▲ 0.50% · 4.625%
HK$55,174
+HK$2,762/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,824/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,147
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,769
−HK$1,648/mo
Today · 4.125%
HK$55,417
baseline
▲ 0.50% · 4.625%
HK$58,789
+HK$3,372/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,834/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,013
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,568
−HK$1,579/mo
Today · 4.125%
HK$61,147
baseline
▲ 0.50% · 4.625%
HK$64,370
+HK$3,223/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,294/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,046
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,131
−HK$2,119/mo
Today · 4.125%
HK$71,250
baseline
▲ 0.50% · 4.625%
HK$75,585
+HK$4,335/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,500/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,588
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,588
−HK$2,029/mo
Today · 4.125%
HK$78,617
baseline
▲ 0.50% · 4.625%
HK$82,761
+HK$4,144/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,234/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,556 · Scale 2, in force from 26 Feb 2026)