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$37,251
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,410
−HK$1,177/mo
Today · 4.125%
HK$39,587
baseline
▲ 0.50% · 4.625%
HK$41,996
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,174/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,441
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,553
−HK$1,127/mo
Today · 4.125%
HK$43,680
baseline
▲ 0.50% · 4.625%
HK$45,983
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,360/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,701
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,092
−HK$1,412/mo
Today · 4.125%
HK$47,504
baseline
▲ 0.50% · 4.625%
HK$50,395
+HK$2,891/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$95,008/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,730
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,063
−HK$1,353/mo
Today · 4.125%
HK$52,416
baseline
▲ 0.50% · 4.625%
HK$55,179
+HK$2,763/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,832/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,151
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,774
−HK$1,648/mo
Today · 4.125%
HK$55,422
baseline
▲ 0.50% · 4.625%
HK$58,794
+HK$3,372/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,844/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,018
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,574
−HK$1,578/mo
Today · 4.125%
HK$61,152
baseline
▲ 0.50% · 4.625%
HK$64,376
+HK$3,224/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,304/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,052
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,138
−HK$2,119/mo
Today · 4.125%
HK$71,257
baseline
▲ 0.50% · 4.625%
HK$75,592
+HK$4,335/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,514/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,594
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,595
−HK$2,030/mo
Today · 4.125%
HK$78,625
baseline
▲ 0.50% · 4.625%
HK$82,769
+HK$4,144/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,250/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,613 · Scale 2, in force from 26 Feb 2026)