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$37,244
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,402
−HK$1,177/mo
Today · 4.125%
HK$39,579
baseline
▲ 0.50% · 4.625%
HK$41,987
+HK$2,408/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,158/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,433
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,544
−HK$1,128/mo
Today · 4.125%
HK$43,672
baseline
▲ 0.50% · 4.625%
HK$45,974
+HK$2,302/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,344/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,692
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,083
−HK$1,412/mo
Today · 4.125%
HK$47,495
baseline
▲ 0.50% · 4.625%
HK$50,385
+HK$2,890/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,990/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,720
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,053
−HK$1,353/mo
Today · 4.125%
HK$52,406
baseline
▲ 0.50% · 4.625%
HK$55,168
+HK$2,762/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,812/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,141
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,763
−HK$1,648/mo
Today · 4.125%
HK$55,411
baseline
▲ 0.50% · 4.625%
HK$58,782
+HK$3,371/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,822/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,006
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,562
−HK$1,578/mo
Today · 4.125%
HK$61,140
baseline
▲ 0.50% · 4.625%
HK$64,363
+HK$3,223/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,280/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,039
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,124
−HK$2,118/mo
Today · 4.125%
HK$71,242
baseline
▲ 0.50% · 4.625%
HK$75,577
+HK$4,335/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,484/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,580
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,580
−HK$2,029/mo
Today · 4.125%
HK$78,609
baseline
▲ 0.50% · 4.625%
HK$82,753
+HK$4,144/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,218/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,492 · Scale 2, in force from 26 Feb 2026)