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$37,212
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,370
−HK$1,176/mo
Today · 4.125%
HK$39,546
baseline
▲ 0.50% · 4.625%
HK$41,952
+HK$2,406/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,092/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,398
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,509
−HK$1,126/mo
Today · 4.125%
HK$43,635
baseline
▲ 0.50% · 4.625%
HK$45,935
+HK$2,300/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,270/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,655
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,044
−HK$1,411/mo
Today · 4.125%
HK$47,455
baseline
▲ 0.50% · 4.625%
HK$50,342
+HK$2,887/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,910/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,678
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,010
−HK$1,352/mo
Today · 4.125%
HK$52,362
baseline
▲ 0.50% · 4.625%
HK$55,122
+HK$2,760/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,724/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,097
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,718
−HK$1,646/mo
Today · 4.125%
HK$55,364
baseline
▲ 0.50% · 4.625%
HK$58,733
+HK$3,369/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$110,728/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,958
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,512
−HK$1,577/mo
Today · 4.125%
HK$61,089
baseline
▲ 0.50% · 4.625%
HK$64,309
+HK$3,220/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$122,178/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,982
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,066
−HK$2,116/mo
Today · 4.125%
HK$71,182
baseline
▲ 0.50% · 4.625%
HK$75,514
+HK$4,332/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,364/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,517
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,515
−HK$2,028/mo
Today · 4.125%
HK$78,543
baseline
▲ 0.50% · 4.625%
HK$82,683
+HK$4,140/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,086/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,975 · Scale 2, in force from 26 Feb 2026)