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$37,287
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,447
−HK$1,178/mo
Today · 4.125%
HK$39,625
baseline
▲ 0.50% · 4.625%
HK$42,036
+HK$2,411/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,250/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,481
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,594
−HK$1,128/mo
Today · 4.125%
HK$43,722
baseline
▲ 0.50% · 4.625%
HK$46,027
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,444/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,744
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,136
−HK$1,414/mo
Today · 4.125%
HK$47,550
baseline
▲ 0.50% · 4.625%
HK$50,443
+HK$2,893/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,100/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,777
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,112
−HK$1,355/mo
Today · 4.125%
HK$52,467
baseline
▲ 0.50% · 4.625%
HK$55,232
+HK$2,765/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,934/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$613,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,201
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,825
−HK$1,650/mo
Today · 4.125%
HK$55,475
baseline
▲ 0.50% · 4.625%
HK$58,850
+HK$3,375/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,950/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,074
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,631
−HK$1,580/mo
Today · 4.125%
HK$61,211
baseline
▲ 0.50% · 4.625%
HK$64,438
+HK$3,227/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,422/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,116
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,204
−HK$2,121/mo
Today · 4.125%
HK$71,325
baseline
▲ 0.50% · 4.625%
HK$75,665
+HK$4,340/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,650/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,666
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,669
−HK$2,031/mo
Today · 4.125%
HK$78,700
baseline
▲ 0.50% · 4.625%
HK$82,848
+HK$4,148/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,400/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,201 · Scale 2, in force from 26 Feb 2026)