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$37,218
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,376
−HK$1,176/mo
Today · 4.125%
HK$39,552
baseline
▲ 0.50% · 4.625%
HK$41,959
+HK$2,407/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,104/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,405
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,516
−HK$1,126/mo
Today · 4.125%
HK$43,642
baseline
▲ 0.50% · 4.625%
HK$45,942
+HK$2,300/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,284/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,662
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,051
−HK$1,412/mo
Today · 4.125%
HK$47,463
baseline
▲ 0.50% · 4.625%
HK$50,351
+HK$2,888/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,926/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,686
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,019
−HK$1,351/mo
Today · 4.125%
HK$52,370
baseline
▲ 0.50% · 4.625%
HK$55,131
+HK$2,761/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,740/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,106
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,727
−HK$1,646/mo
Today · 4.125%
HK$55,373
baseline
▲ 0.50% · 4.625%
HK$58,743
+HK$3,370/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,746/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,967
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,522
−HK$1,577/mo
Today · 4.125%
HK$61,099
baseline
▲ 0.50% · 4.625%
HK$64,319
+HK$3,220/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,198/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,993
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,077
−HK$2,117/mo
Today · 4.125%
HK$71,194
baseline
▲ 0.50% · 4.625%
HK$75,526
+HK$4,332/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,388/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,529
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,528
−HK$2,028/mo
Today · 4.125%
HK$78,556
baseline
▲ 0.50% · 4.625%
HK$82,696
+HK$4,140/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,112/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,076 · Scale 2, in force from 26 Feb 2026)