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$37,377
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,540
−HK$1,181/mo
Today · 4.125%
HK$39,721
baseline
▲ 0.50% · 4.625%
HK$42,138
+HK$2,417/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$79,442/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,582
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,697
−HK$1,131/mo
Today · 4.125%
HK$43,828
baseline
▲ 0.50% · 4.625%
HK$46,139
+HK$2,311/mo
Deposit HK$8.20M · loan HK$8.20M · min. income ≈ HK$87,656/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$614,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,853
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,248
−HK$1,417/mo
Today · 4.125%
HK$47,665
baseline
▲ 0.50% · 4.625%
HK$50,566
+HK$2,901/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$95,330/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,898
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,237
−HK$1,357/mo
Today · 4.125%
HK$52,594
baseline
▲ 0.50% · 4.625%
HK$55,366
+HK$2,772/mo
Deposit HK$6.56M · loan HK$9.84M · min. income ≈ HK$105,188/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,328
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,956
−HK$1,654/mo
Today · 4.125%
HK$55,610
baseline
▲ 0.50% · 4.625%
HK$58,993
+HK$3,383/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$111,220/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,215
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,776
−HK$1,584/mo
Today · 4.125%
HK$61,360
baseline
▲ 0.50% · 4.625%
HK$64,594
+HK$3,234/mo
Deposit HK$4.92M · loan HK$11.47M · min. income ≈ HK$122,720/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,279
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,372
−HK$2,126/mo
Today · 4.125%
HK$71,498
baseline
▲ 0.50% · 4.625%
HK$75,849
+HK$4,351/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$142,996/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,847
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,855
−HK$2,036/mo
Today · 4.125%
HK$78,891
baseline
▲ 0.50% · 4.625%
HK$83,050
+HK$4,159/mo
Deposit HK$1.64M · loan HK$14.75M · min. income ≈ HK$157,782/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,690 · Scale 2, in force from 26 Feb 2026)