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$37,183
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,340
−HK$1,175/mo
Today · 4.125%
HK$39,515
baseline
▲ 0.50% · 4.625%
HK$41,920
+HK$2,405/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,030/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,366
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,476
−HK$1,125/mo
Today · 4.125%
HK$43,601
baseline
▲ 0.50% · 4.625%
HK$45,899
+HK$2,298/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,202/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,620
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,008
−HK$1,410/mo
Today · 4.125%
HK$47,418
baseline
▲ 0.50% · 4.625%
HK$50,303
+HK$2,885/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,836/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,639
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,971
−HK$1,350/mo
Today · 4.125%
HK$52,321
baseline
▲ 0.50% · 4.625%
HK$55,079
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,642/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,057
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,676
−HK$1,645/mo
Today · 4.125%
HK$55,321
baseline
▲ 0.50% · 4.625%
HK$58,687
+HK$3,366/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,642/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,913
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,466
−HK$1,576/mo
Today · 4.125%
HK$61,042
baseline
▲ 0.50% · 4.625%
HK$64,259
+HK$3,217/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,084/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,930
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,012
−HK$2,115/mo
Today · 4.125%
HK$71,127
baseline
▲ 0.50% · 4.625%
HK$75,455
+HK$4,328/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,254/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,459
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,456
−HK$2,026/mo
Today · 4.125%
HK$78,482
baseline
▲ 0.50% · 4.625%
HK$82,619
+HK$4,137/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$156,964/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,502 · Scale 2, in force from 26 Feb 2026)