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$37,165
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,321
−HK$1,175/mo
Today · 4.125%
HK$39,496
baseline
▲ 0.50% · 4.625%
HK$41,899
+HK$2,403/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,992/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,346
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,455
−HK$1,125/mo
Today · 4.125%
HK$43,580
baseline
▲ 0.50% · 4.625%
HK$45,877
+HK$2,297/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,160/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,599
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,986
−HK$1,409/mo
Today · 4.125%
HK$47,395
baseline
▲ 0.50% · 4.625%
HK$50,279
+HK$2,884/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,790/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,615
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,946
−HK$1,350/mo
Today · 4.125%
HK$52,296
baseline
▲ 0.50% · 4.625%
HK$55,053
+HK$2,757/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,592/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,032
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,650
−HK$1,644/mo
Today · 4.125%
HK$55,294
baseline
▲ 0.50% · 4.625%
HK$58,659
+HK$3,365/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,588/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,885
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,437
−HK$1,575/mo
Today · 4.125%
HK$61,012
baseline
▲ 0.50% · 4.625%
HK$64,228
+HK$3,216/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,024/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,898
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,979
−HK$2,114/mo
Today · 4.125%
HK$71,093
baseline
▲ 0.50% · 4.625%
HK$75,419
+HK$4,326/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,186/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,423
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,419
−HK$2,025/mo
Today · 4.125%
HK$78,444
baseline
▲ 0.50% · 4.625%
HK$82,579
+HK$4,135/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,888/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,205 · Scale 2, in force from 26 Feb 2026)