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$37,187
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,343
−HK$1,175/mo
Today · 4.125%
HK$39,518
baseline
▲ 0.50% · 4.625%
HK$41,923
+HK$2,405/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,036/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,370
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,479
−HK$1,126/mo
Today · 4.125%
HK$43,605
baseline
▲ 0.50% · 4.625%
HK$45,903
+HK$2,298/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,210/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,624
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,012
−HK$1,410/mo
Today · 4.125%
HK$47,422
baseline
▲ 0.50% · 4.625%
HK$50,308
+HK$2,886/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,844/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,644
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,975
−HK$1,351/mo
Today · 4.125%
HK$52,326
baseline
▲ 0.50% · 4.625%
HK$55,084
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,652/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,061
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,680
−HK$1,646/mo
Today · 4.125%
HK$55,326
baseline
▲ 0.50% · 4.625%
HK$58,692
+HK$3,366/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,652/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,917
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,471
−HK$1,576/mo
Today · 4.125%
HK$61,047
baseline
▲ 0.50% · 4.625%
HK$64,264
+HK$3,217/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,094/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,936
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,018
−HK$2,115/mo
Today · 4.125%
HK$71,133
baseline
▲ 0.50% · 4.625%
HK$75,461
+HK$4,328/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,266/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,465
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,462
−HK$2,026/mo
Today · 4.125%
HK$78,488
baseline
▲ 0.50% · 4.625%
HK$82,626
+HK$4,138/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$156,976/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,552 · Scale 2, in force from 26 Feb 2026)