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$37,162
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,318
−HK$1,174/mo
Today · 4.125%
HK$39,492
baseline
▲ 0.50% · 4.625%
HK$41,895
+HK$2,403/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,984/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,342
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,451
−HK$1,125/mo
Today · 4.125%
HK$43,576
baseline
▲ 0.50% · 4.625%
HK$45,872
+HK$2,296/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,152/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,594
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,981
−HK$1,409/mo
Today · 4.125%
HK$47,390
baseline
▲ 0.50% · 4.625%
HK$50,274
+HK$2,884/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,780/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,610
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,941
−HK$1,350/mo
Today · 4.125%
HK$52,291
baseline
▲ 0.50% · 4.625%
HK$55,047
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,582/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,026
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,645
−HK$1,644/mo
Today · 4.125%
HK$55,289
baseline
▲ 0.50% · 4.625%
HK$58,653
+HK$3,364/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,578/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,879
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,431
−HK$1,575/mo
Today · 4.125%
HK$61,006
baseline
▲ 0.50% · 4.625%
HK$64,221
+HK$3,215/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,012/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,891
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,972
−HK$2,114/mo
Today · 4.125%
HK$71,086
baseline
▲ 0.50% · 4.625%
HK$75,411
+HK$4,325/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,172/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,416
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,411
−HK$2,025/mo
Today · 4.125%
HK$78,436
baseline
▲ 0.50% · 4.625%
HK$82,570
+HK$4,134/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,872/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,143 · Scale 2, in force from 26 Feb 2026)