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$37,185
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,341
−HK$1,175/mo
Today · 4.125%
HK$39,516
baseline
▲ 0.50% · 4.625%
HK$41,921
+HK$2,405/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,032/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,367
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,477
−HK$1,125/mo
Today · 4.125%
HK$43,602
baseline
▲ 0.50% · 4.625%
HK$45,901
+HK$2,299/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,204/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,621
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,009
−HK$1,411/mo
Today · 4.125%
HK$47,420
baseline
▲ 0.50% · 4.625%
HK$50,305
+HK$2,885/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,840/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,641
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,972
−HK$1,351/mo
Today · 4.125%
HK$52,323
baseline
▲ 0.50% · 4.625%
HK$55,081
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,646/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,058
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,678
−HK$1,645/mo
Today · 4.125%
HK$55,323
baseline
▲ 0.50% · 4.625%
HK$58,689
+HK$3,366/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,646/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,914
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,468
−HK$1,575/mo
Today · 4.125%
HK$61,043
baseline
▲ 0.50% · 4.625%
HK$64,261
+HK$3,218/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,086/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,932
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,014
−HK$2,115/mo
Today · 4.125%
HK$71,129
baseline
▲ 0.50% · 4.625%
HK$75,458
+HK$4,329/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,258/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,461
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,458
−HK$2,026/mo
Today · 4.125%
HK$78,484
baseline
▲ 0.50% · 4.625%
HK$82,621
+HK$4,137/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$156,968/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,520 · Scale 2, in force from 26 Feb 2026)