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$37,239
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,398
−HK$1,176/mo
Today · 4.125%
HK$39,574
baseline
▲ 0.50% · 4.625%
HK$41,982
+HK$2,408/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,148/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,428
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,539
−HK$1,127/mo
Today · 4.125%
HK$43,666
baseline
▲ 0.50% · 4.625%
HK$45,968
+HK$2,302/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,332/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,687
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,077
−HK$1,412/mo
Today · 4.125%
HK$47,489
baseline
▲ 0.50% · 4.625%
HK$50,379
+HK$2,890/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,978/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,714
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,047
−HK$1,353/mo
Today · 4.125%
HK$52,400
baseline
▲ 0.50% · 4.625%
HK$55,162
+HK$2,762/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,800/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,135
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,757
−HK$1,647/mo
Today · 4.125%
HK$55,404
baseline
▲ 0.50% · 4.625%
HK$58,775
+HK$3,371/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,808/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,999
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,555
−HK$1,578/mo
Today · 4.125%
HK$61,133
baseline
▲ 0.50% · 4.625%
HK$64,355
+HK$3,222/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,266/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,030
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,116
−HK$2,118/mo
Today · 4.125%
HK$71,234
baseline
▲ 0.50% · 4.625%
HK$75,568
+HK$4,334/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,468/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,571
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,571
−HK$2,029/mo
Today · 4.125%
HK$78,600
baseline
▲ 0.50% · 4.625%
HK$82,743
+HK$4,143/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,200/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,418 · Scale 2, in force from 26 Feb 2026)