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$37,195
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,352
−HK$1,176/mo
Today · 4.125%
HK$39,528
baseline
▲ 0.50% · 4.625%
HK$41,933
+HK$2,405/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,056/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,380
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,489
−HK$1,126/mo
Today · 4.125%
HK$43,615
baseline
▲ 0.50% · 4.625%
HK$45,914
+HK$2,299/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,230/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,634
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,023
−HK$1,410/mo
Today · 4.125%
HK$47,433
baseline
▲ 0.50% · 4.625%
HK$50,320
+HK$2,887/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$94,866/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,655
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,987
−HK$1,351/mo
Today · 4.125%
HK$52,338
baseline
▲ 0.50% · 4.625%
HK$55,097
+HK$2,759/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$104,676/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,074
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,693
−HK$1,646/mo
Today · 4.125%
HK$55,339
baseline
▲ 0.50% · 4.625%
HK$58,706
+HK$3,367/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,678/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,931
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,485
−HK$1,576/mo
Today · 4.125%
HK$61,061
baseline
▲ 0.50% · 4.625%
HK$64,280
+HK$3,219/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,122/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,952
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,034
−HK$2,116/mo
Today · 4.125%
HK$71,150
baseline
▲ 0.50% · 4.625%
HK$75,479
+HK$4,329/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,300/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,483
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,481
−HK$2,026/mo
Today · 4.125%
HK$78,507
baseline
▲ 0.50% · 4.625%
HK$82,645
+HK$4,138/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$157,014/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,698 · Scale 2, in force from 26 Feb 2026)