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$37,153
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,309
−HK$1,174/mo
Today · 4.125%
HK$39,483
baseline
▲ 0.50% · 4.625%
HK$41,886
+HK$2,403/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,966/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,333
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,441
−HK$1,125/mo
Today · 4.125%
HK$43,566
baseline
▲ 0.50% · 4.625%
HK$45,862
+HK$2,296/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,132/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,584
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,971
−HK$1,409/mo
Today · 4.125%
HK$47,380
baseline
▲ 0.50% · 4.625%
HK$50,263
+HK$2,883/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,760/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,599
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,930
−HK$1,349/mo
Today · 4.125%
HK$52,279
baseline
▲ 0.50% · 4.625%
HK$55,035
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,558/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,015
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,633
−HK$1,644/mo
Today · 4.125%
HK$55,277
baseline
▲ 0.50% · 4.625%
HK$58,640
+HK$3,363/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,554/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,866
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,418
−HK$1,574/mo
Today · 4.125%
HK$60,992
baseline
▲ 0.50% · 4.625%
HK$64,207
+HK$3,215/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$121,984/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,876
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,957
−HK$2,113/mo
Today · 4.125%
HK$71,070
baseline
▲ 0.50% · 4.625%
HK$75,394
+HK$4,324/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,140/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,399
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,395
−HK$2,024/mo
Today · 4.125%
HK$78,419
baseline
▲ 0.50% · 4.625%
HK$82,552
+HK$4,133/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,838/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,009 · Scale 2, in force from 26 Feb 2026)