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$37,216
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,374
−HK$1,176/mo
Today · 4.125%
HK$39,550
baseline
▲ 0.50% · 4.625%
HK$41,957
+HK$2,407/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,100/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,403
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,513
−HK$1,127/mo
Today · 4.125%
HK$43,640
baseline
▲ 0.50% · 4.625%
HK$45,940
+HK$2,300/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,280/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,660
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,049
−HK$1,411/mo
Today · 4.125%
HK$47,460
baseline
▲ 0.50% · 4.625%
HK$50,348
+HK$2,888/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,920/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,684
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,016
−HK$1,352/mo
Today · 4.125%
HK$52,368
baseline
▲ 0.50% · 4.625%
HK$55,128
+HK$2,760/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,736/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,103
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,724
−HK$1,646/mo
Today · 4.125%
HK$55,370
baseline
▲ 0.50% · 4.625%
HK$58,740
+HK$3,370/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$110,740/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,964
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,519
−HK$1,577/mo
Today · 4.125%
HK$61,096
baseline
▲ 0.50% · 4.625%
HK$64,316
+HK$3,220/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$122,192/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,990
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,073
−HK$2,117/mo
Today · 4.125%
HK$71,190
baseline
▲ 0.50% · 4.625%
HK$75,522
+HK$4,332/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,380/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,525
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,524
−HK$2,028/mo
Today · 4.125%
HK$78,552
baseline
▲ 0.50% · 4.625%
HK$82,692
+HK$4,140/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,104/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,045 · Scale 2, in force from 26 Feb 2026)