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$37,255
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,414
−HK$1,178/mo
Today · 4.125%
HK$39,592
baseline
▲ 0.50% · 4.625%
HK$42,001
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,184/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,446
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,558
−HK$1,127/mo
Today · 4.125%
HK$43,685
baseline
▲ 0.50% · 4.625%
HK$45,988
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,370/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,706
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,097
−HK$1,413/mo
Today · 4.125%
HK$47,510
baseline
▲ 0.50% · 4.625%
HK$50,401
+HK$2,891/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$95,020/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,735
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,069
−HK$1,354/mo
Today · 4.125%
HK$52,423
baseline
▲ 0.50% · 4.625%
HK$55,186
+HK$2,763/mo
Deposit HK$6.54M · loan HK$9.80M · min. income ≈ HK$104,846/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,158
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,780
−HK$1,648/mo
Today · 4.125%
HK$55,428
baseline
▲ 0.50% · 4.625%
HK$58,801
+HK$3,373/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,856/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,025
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,581
−HK$1,579/mo
Today · 4.125%
HK$61,160
baseline
▲ 0.50% · 4.625%
HK$64,383
+HK$3,223/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,320/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,060
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,146
−HK$2,119/mo
Today · 4.125%
HK$71,265
baseline
▲ 0.50% · 4.625%
HK$75,601
+HK$4,336/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,530/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,603
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,604
−HK$2,030/mo
Today · 4.125%
HK$78,634
baseline
▲ 0.50% · 4.625%
HK$82,779
+HK$4,145/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,268/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,684 · Scale 2, in force from 26 Feb 2026)