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$37,234
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,392
−HK$1,177/mo
Today · 4.125%
HK$39,569
baseline
▲ 0.50% · 4.625%
HK$41,977
+HK$2,408/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,138/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,423
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,534
−HK$1,127/mo
Today · 4.125%
HK$43,661
baseline
▲ 0.50% · 4.625%
HK$45,962
+HK$2,301/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,322/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,681
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,071
−HK$1,412/mo
Today · 4.125%
HK$47,483
baseline
▲ 0.50% · 4.625%
HK$50,372
+HK$2,889/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,966/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,707
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,040
−HK$1,353/mo
Today · 4.125%
HK$52,393
baseline
▲ 0.50% · 4.625%
HK$55,155
+HK$2,762/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,786/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,128
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,749
−HK$1,648/mo
Today · 4.125%
HK$55,397
baseline
▲ 0.50% · 4.625%
HK$58,768
+HK$3,371/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,794/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,992
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,547
−HK$1,578/mo
Today · 4.125%
HK$61,125
baseline
▲ 0.50% · 4.625%
HK$64,347
+HK$3,222/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,250/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,022
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,106
−HK$2,119/mo
Today · 4.125%
HK$71,225
baseline
▲ 0.50% · 4.625%
HK$75,558
+HK$4,333/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,450/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,561
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,561
−HK$2,028/mo
Today · 4.125%
HK$78,589
baseline
▲ 0.50% · 4.625%
HK$82,732
+HK$4,143/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,178/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,337 · Scale 2, in force from 26 Feb 2026)