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$37,345
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,507
−HK$1,180/mo
Today · 4.125%
HK$39,687
baseline
▲ 0.50% · 4.625%
HK$42,102
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,374/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,546
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,660
−HK$1,131/mo
Today · 4.125%
HK$43,791
baseline
▲ 0.50% · 4.625%
HK$46,099
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,582/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,814
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,208
−HK$1,416/mo
Today · 4.125%
HK$47,624
baseline
▲ 0.50% · 4.625%
HK$50,522
+HK$2,898/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,248/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,855
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,192
−HK$1,357/mo
Today · 4.125%
HK$52,549
baseline
▲ 0.50% · 4.625%
HK$55,319
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,098/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,283
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,909
−HK$1,653/mo
Today · 4.125%
HK$55,562
baseline
▲ 0.50% · 4.625%
HK$58,943
+HK$3,381/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,124/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,164
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,724
−HK$1,583/mo
Today · 4.125%
HK$61,307
baseline
▲ 0.50% · 4.625%
HK$64,538
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,614/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,221
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,312
−HK$2,125/mo
Today · 4.125%
HK$71,437
baseline
▲ 0.50% · 4.625%
HK$75,783
+HK$4,346/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,874/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,783
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,788
−HK$2,035/mo
Today · 4.125%
HK$78,823
baseline
▲ 0.50% · 4.625%
HK$82,978
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,646/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,160 · Scale 2, in force from 26 Feb 2026)