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$37,155
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,311
−HK$1,174/mo
Today · 4.125%
HK$39,485
baseline
▲ 0.50% · 4.625%
HK$41,887
+HK$2,402/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,970/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,334
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,443
−HK$1,125/mo
Today · 4.125%
HK$43,568
baseline
▲ 0.50% · 4.625%
HK$45,864
+HK$2,296/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,136/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,586
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,973
−HK$1,409/mo
Today · 4.125%
HK$47,382
baseline
▲ 0.50% · 4.625%
HK$50,265
+HK$2,883/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,764/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,601
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,932
−HK$1,349/mo
Today · 4.125%
HK$52,281
baseline
▲ 0.50% · 4.625%
HK$55,037
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,562/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,017
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,635
−HK$1,644/mo
Today · 4.125%
HK$55,279
baseline
▲ 0.50% · 4.625%
HK$58,642
+HK$3,363/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,558/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,868
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,420
−HK$1,575/mo
Today · 4.125%
HK$60,995
baseline
▲ 0.50% · 4.625%
HK$64,210
+HK$3,215/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$121,990/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,879
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,959
−HK$2,114/mo
Today · 4.125%
HK$71,073
baseline
▲ 0.50% · 4.625%
HK$75,397
+HK$4,324/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,146/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,402
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,397
−HK$2,025/mo
Today · 4.125%
HK$78,422
baseline
▲ 0.50% · 4.625%
HK$82,555
+HK$4,133/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,844/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,032 · Scale 2, in force from 26 Feb 2026)