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$37,367
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,530
−HK$1,181/mo
Today · 4.125%
HK$39,711
baseline
▲ 0.50% · 4.625%
HK$42,127
+HK$2,416/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,422/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,571
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,686
−HK$1,131/mo
Today · 4.125%
HK$43,817
baseline
▲ 0.50% · 4.625%
HK$46,126
+HK$2,309/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,634/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,841
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,236
−HK$1,417/mo
Today · 4.125%
HK$47,653
baseline
▲ 0.50% · 4.625%
HK$50,552
+HK$2,899/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,306/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,885
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,223
−HK$1,357/mo
Today · 4.125%
HK$52,580
baseline
▲ 0.50% · 4.625%
HK$55,352
+HK$2,772/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,160/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,314
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,942
−HK$1,653/mo
Today · 4.125%
HK$55,595
baseline
▲ 0.50% · 4.625%
HK$58,978
+HK$3,383/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$111,190/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,199
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,760
−HK$1,583/mo
Today · 4.125%
HK$61,343
baseline
▲ 0.50% · 4.625%
HK$64,577
+HK$3,234/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$122,686/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,261
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,353
−HK$2,126/mo
Today · 4.125%
HK$71,479
baseline
▲ 0.50% · 4.625%
HK$75,828
+HK$4,349/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$142,958/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,827
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,834
−HK$2,036/mo
Today · 4.125%
HK$78,870
baseline
▲ 0.50% · 4.625%
HK$83,028
+HK$4,158/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,740/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,526 · Scale 2, in force from 26 Feb 2026)