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$38,344
−HK$1,176/mo
Today · 4.125%
HK$39,520
baseline
▲ 0.50% · 4.625%
HK$41,924
+HK$2,404/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$611,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,371
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,480
−HK$1,126/mo
Today · 4.125%
HK$43,606
baseline
▲ 0.50% · 4.625%
HK$45,905
+HK$2,299/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,212/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,625
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,013
−HK$1,411/mo
Today · 4.125%
HK$47,424
baseline
▲ 0.50% · 4.625%
HK$50,309
+HK$2,885/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$94,848/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,645
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,977
−HK$1,350/mo
Today · 4.125%
HK$52,327
baseline
▲ 0.50% · 4.625%
HK$55,086
+HK$2,759/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$104,654/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,063
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,682
−HK$1,646/mo
Today · 4.125%
HK$55,328
baseline
▲ 0.50% · 4.625%
HK$58,694
+HK$3,366/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$611,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,919
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,473
−HK$1,576/mo
Today · 4.125%
HK$61,049
baseline
▲ 0.50% · 4.625%
HK$64,266
+HK$3,217/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$611,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,938
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,020
−HK$2,115/mo
Today · 4.125%
HK$71,135
baseline
▲ 0.50% · 4.625%
HK$75,464
+HK$4,329/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,270/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,468
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,465
−HK$2,026/mo
Today · 4.125%
HK$78,491
baseline
▲ 0.50% · 4.625%
HK$82,628
+HK$4,137/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$156,982/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,572 · Scale 2, in force from 26 Feb 2026)