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$37,174
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,330
−HK$1,175/mo
Today · 4.125%
HK$39,505
baseline
▲ 0.50% · 4.625%
HK$41,909
+HK$2,404/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,010/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,356
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,465
−HK$1,125/mo
Today · 4.125%
HK$43,590
baseline
▲ 0.50% · 4.625%
HK$45,888
+HK$2,298/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,180/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,609
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,996
−HK$1,410/mo
Today · 4.125%
HK$47,406
baseline
▲ 0.50% · 4.625%
HK$50,291
+HK$2,885/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,812/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,627
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,958
−HK$1,350/mo
Today · 4.125%
HK$52,308
baseline
▲ 0.50% · 4.625%
HK$55,065
+HK$2,757/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,616/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,044
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,662
−HK$1,645/mo
Today · 4.125%
HK$55,307
baseline
▲ 0.50% · 4.625%
HK$58,672
+HK$3,365/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,614/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,898
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,451
−HK$1,575/mo
Today · 4.125%
HK$61,026
baseline
▲ 0.50% · 4.625%
HK$64,243
+HK$3,217/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,052/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,913
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,994
−HK$2,115/mo
Today · 4.125%
HK$71,109
baseline
▲ 0.50% · 4.625%
HK$75,436
+HK$4,327/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,218/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,440
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,437
−HK$2,025/mo
Today · 4.125%
HK$78,462
baseline
▲ 0.50% · 4.625%
HK$82,598
+HK$4,136/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,924/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,345 · Scale 2, in force from 26 Feb 2026)