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$37,188
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,345
−HK$1,175/mo
Today · 4.125%
HK$39,520
baseline
▲ 0.50% · 4.625%
HK$41,925
+HK$2,405/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,040/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,371
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,481
−HK$1,126/mo
Today · 4.125%
HK$43,607
baseline
▲ 0.50% · 4.625%
HK$45,905
+HK$2,298/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,214/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,626
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,014
−HK$1,410/mo
Today · 4.125%
HK$47,424
baseline
▲ 0.50% · 4.625%
HK$50,310
+HK$2,886/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$94,848/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,646
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,977
−HK$1,351/mo
Today · 4.125%
HK$52,328
baseline
▲ 0.50% · 4.625%
HK$55,086
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$104,656/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,063
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,683
−HK$1,645/mo
Today · 4.125%
HK$55,328
baseline
▲ 0.50% · 4.625%
HK$58,695
+HK$3,367/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,656/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,920
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,473
−HK$1,576/mo
Today · 4.125%
HK$61,049
baseline
▲ 0.50% · 4.625%
HK$64,267
+HK$3,218/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,098/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,939
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,021
−HK$2,115/mo
Today · 4.125%
HK$71,136
baseline
▲ 0.50% · 4.625%
HK$75,465
+HK$4,329/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,272/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,468
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,466
−HK$2,026/mo
Today · 4.125%
HK$78,492
baseline
▲ 0.50% · 4.625%
HK$82,629
+HK$4,137/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$156,984/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,578 · Scale 2, in force from 26 Feb 2026)