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$37,149
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,304
−HK$1,174/mo
Today · 4.125%
HK$39,478
baseline
▲ 0.50% · 4.625%
HK$41,881
+HK$2,403/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,956/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,328
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,436
−HK$1,125/mo
Today · 4.125%
HK$43,561
baseline
▲ 0.50% · 4.625%
HK$45,857
+HK$2,296/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,122/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,579
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,965
−HK$1,409/mo
Today · 4.125%
HK$47,374
baseline
▲ 0.50% · 4.625%
HK$50,257
+HK$2,883/mo
Deposit HK$6.52M · loan HK$9.77M · min. income ≈ HK$94,748/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,593
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,923
−HK$1,350/mo
Today · 4.125%
HK$52,273
baseline
▲ 0.50% · 4.625%
HK$55,028
+HK$2,755/mo
Deposit HK$6.52M · loan HK$9.77M · min. income ≈ HK$104,546/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,008
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,626
−HK$1,644/mo
Today · 4.125%
HK$55,270
baseline
▲ 0.50% · 4.625%
HK$58,633
+HK$3,363/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,540/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,859
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,411
−HK$1,574/mo
Today · 4.125%
HK$60,985
baseline
▲ 0.50% · 4.625%
HK$64,199
+HK$3,214/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,970/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,868
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,948
−HK$2,113/mo
Today · 4.125%
HK$71,061
baseline
▲ 0.50% · 4.625%
HK$75,385
+HK$4,324/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,122/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,390
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,385
−HK$2,024/mo
Today · 4.125%
HK$78,409
baseline
▲ 0.50% · 4.625%
HK$82,542
+HK$4,133/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,818/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,934 · Scale 2, in force from 26 Feb 2026)