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$37,232
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,390
−HK$1,176/mo
Today · 4.125%
HK$39,566
baseline
▲ 0.50% · 4.625%
HK$41,974
+HK$2,408/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,132/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,420
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,531
−HK$1,127/mo
Today · 4.125%
HK$43,658
baseline
▲ 0.50% · 4.625%
HK$45,959
+HK$2,301/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,316/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,678
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,068
−HK$1,412/mo
Today · 4.125%
HK$47,480
baseline
▲ 0.50% · 4.625%
HK$50,369
+HK$2,889/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,960/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,704
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,037
−HK$1,352/mo
Today · 4.125%
HK$52,389
baseline
▲ 0.50% · 4.625%
HK$55,151
+HK$2,762/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,778/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,124
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,746
−HK$1,647/mo
Today · 4.125%
HK$55,393
baseline
▲ 0.50% · 4.625%
HK$58,763
+HK$3,370/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,786/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,988
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,543
−HK$1,578/mo
Today · 4.125%
HK$61,121
baseline
▲ 0.50% · 4.625%
HK$64,342
+HK$3,221/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,242/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,017
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,101
−HK$2,118/mo
Today · 4.125%
HK$71,219
baseline
▲ 0.50% · 4.625%
HK$75,553
+HK$4,334/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,438/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,556
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,555
−HK$2,029/mo
Today · 4.125%
HK$78,584
baseline
▲ 0.50% · 4.625%
HK$82,726
+HK$4,142/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,168/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,293 · Scale 2, in force from 26 Feb 2026)