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$37,351
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,513
−HK$1,180/mo
Today · 4.125%
HK$39,693
baseline
▲ 0.50% · 4.625%
HK$42,108
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,386/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,553
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,667
−HK$1,131/mo
Today · 4.125%
HK$43,798
baseline
▲ 0.50% · 4.625%
HK$46,106
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,596/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,821
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,215
−HK$1,417/mo
Today · 4.125%
HK$47,632
baseline
▲ 0.50% · 4.625%
HK$50,530
+HK$2,898/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,264/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,863
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,200
−HK$1,357/mo
Today · 4.125%
HK$52,557
baseline
▲ 0.50% · 4.625%
HK$55,327
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,114/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,291
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,918
−HK$1,653/mo
Today · 4.125%
HK$55,571
baseline
▲ 0.50% · 4.625%
HK$58,952
+HK$3,381/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$111,142/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,174
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,734
−HK$1,583/mo
Today · 4.125%
HK$61,317
baseline
▲ 0.50% · 4.625%
HK$64,549
+HK$3,232/mo
Deposit HK$4.91M · loan HK$11.47M · min. income ≈ HK$122,634/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,232
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,323
−HK$2,125/mo
Today · 4.125%
HK$71,448
baseline
▲ 0.50% · 4.625%
HK$75,795
+HK$4,347/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,896/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,795
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,801
−HK$2,035/mo
Today · 4.125%
HK$78,836
baseline
▲ 0.50% · 4.625%
HK$82,991
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,672/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,257 · Scale 2, in force from 26 Feb 2026)