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$37,168
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,324
−HK$1,175/mo
Today · 4.125%
HK$39,499
baseline
▲ 0.50% · 4.625%
HK$41,903
+HK$2,404/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,998/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,349
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,458
−HK$1,125/mo
Today · 4.125%
HK$43,583
baseline
▲ 0.50% · 4.625%
HK$45,881
+HK$2,298/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,166/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,602
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,989
−HK$1,410/mo
Today · 4.125%
HK$47,399
baseline
▲ 0.50% · 4.625%
HK$50,283
+HK$2,884/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,798/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,619
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,950
−HK$1,350/mo
Today · 4.125%
HK$52,300
baseline
▲ 0.50% · 4.625%
HK$55,057
+HK$2,757/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,600/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,036
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,654
−HK$1,645/mo
Today · 4.125%
HK$55,299
baseline
▲ 0.50% · 4.625%
HK$58,664
+HK$3,365/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,598/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,889
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,442
−HK$1,575/mo
Today · 4.125%
HK$61,017
baseline
▲ 0.50% · 4.625%
HK$64,233
+HK$3,216/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,034/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,903
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,984
−HK$2,114/mo
Today · 4.125%
HK$71,098
baseline
▲ 0.50% · 4.625%
HK$75,425
+HK$4,327/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,196/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,429
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,425
−HK$2,025/mo
Today · 4.125%
HK$78,450
baseline
▲ 0.50% · 4.625%
HK$82,585
+HK$4,135/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,900/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,253 · Scale 2, in force from 26 Feb 2026)