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$37,198
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,355
−HK$1,175/mo
Today · 4.125%
HK$39,530
baseline
▲ 0.50% · 4.625%
HK$41,936
+HK$2,406/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,060/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,382
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,492
−HK$1,126/mo
Today · 4.125%
HK$43,618
baseline
▲ 0.50% · 4.625%
HK$45,917
+HK$2,299/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,236/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,637
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,026
−HK$1,410/mo
Today · 4.125%
HK$47,436
baseline
▲ 0.50% · 4.625%
HK$50,323
+HK$2,887/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,872/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,658
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,990
−HK$1,351/mo
Today · 4.125%
HK$52,341
baseline
▲ 0.50% · 4.625%
HK$55,100
+HK$2,759/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,682/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,077
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,697
−HK$1,645/mo
Today · 4.125%
HK$55,342
baseline
▲ 0.50% · 4.625%
HK$58,710
+HK$3,368/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,684/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,935
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,489
−HK$1,576/mo
Today · 4.125%
HK$61,065
baseline
▲ 0.50% · 4.625%
HK$64,284
+HK$3,219/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,130/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,956
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,039
−HK$2,116/mo
Today · 4.125%
HK$71,155
baseline
▲ 0.50% · 4.625%
HK$75,484
+HK$4,329/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,310/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,488
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,485
−HK$2,027/mo
Today · 4.125%
HK$78,512
baseline
▲ 0.50% · 4.625%
HK$82,650
+HK$4,138/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$157,024/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,736 · Scale 2, in force from 26 Feb 2026)