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$37,173
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,329
−HK$1,175/mo
Today · 4.125%
HK$39,504
baseline
▲ 0.50% · 4.625%
HK$41,908
+HK$2,404/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,008/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,355
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,464
−HK$1,125/mo
Today · 4.125%
HK$43,589
baseline
▲ 0.50% · 4.625%
HK$45,886
+HK$2,297/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,178/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,608
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,995
−HK$1,410/mo
Today · 4.125%
HK$47,405
baseline
▲ 0.50% · 4.625%
HK$50,289
+HK$2,884/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,810/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,626
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,956
−HK$1,351/mo
Today · 4.125%
HK$52,307
baseline
▲ 0.50% · 4.625%
HK$55,064
+HK$2,757/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,614/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,042
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,661
−HK$1,645/mo
Today · 4.125%
HK$55,306
baseline
▲ 0.50% · 4.625%
HK$58,671
+HK$3,365/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,612/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,896
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,449
−HK$1,575/mo
Today · 4.125%
HK$61,024
baseline
▲ 0.50% · 4.625%
HK$64,241
+HK$3,217/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,048/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,911
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,993
−HK$2,114/mo
Today · 4.125%
HK$71,107
baseline
▲ 0.50% · 4.625%
HK$75,434
+HK$4,327/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,214/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,438
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,435
−HK$2,025/mo
Today · 4.125%
HK$78,460
baseline
▲ 0.50% · 4.625%
HK$82,596
+HK$4,136/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,920/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,330 · Scale 2, in force from 26 Feb 2026)