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$37,245
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,404
−HK$1,177/mo
Today · 4.125%
HK$39,581
baseline
▲ 0.50% · 4.625%
HK$41,989
+HK$2,408/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,162/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,435
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,546
−HK$1,127/mo
Today · 4.125%
HK$43,673
baseline
▲ 0.50% · 4.625%
HK$45,976
+HK$2,303/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,346/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,694
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,084
−HK$1,413/mo
Today · 4.125%
HK$47,497
baseline
▲ 0.50% · 4.625%
HK$50,387
+HK$2,890/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,994/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,722
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,055
−HK$1,353/mo
Today · 4.125%
HK$52,408
baseline
▲ 0.50% · 4.625%
HK$55,171
+HK$2,763/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,816/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,143
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,765
−HK$1,648/mo
Today · 4.125%
HK$55,413
baseline
▲ 0.50% · 4.625%
HK$58,785
+HK$3,372/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,826/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,009
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,565
−HK$1,578/mo
Today · 4.125%
HK$61,143
baseline
▲ 0.50% · 4.625%
HK$64,366
+HK$3,223/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,286/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,041
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,127
−HK$2,118/mo
Today · 4.125%
HK$71,245
baseline
▲ 0.50% · 4.625%
HK$75,580
+HK$4,335/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,490/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,583
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,583
−HK$2,029/mo
Today · 4.125%
HK$78,612
baseline
▲ 0.50% · 4.625%
HK$82,756
+HK$4,144/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,224/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,516 · Scale 2, in force from 26 Feb 2026)