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$37,213
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,371
−HK$1,176/mo
Today · 4.125%
HK$39,547
baseline
▲ 0.50% · 4.625%
HK$41,953
+HK$2,406/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,094/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,399
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,510
−HK$1,126/mo
Today · 4.125%
HK$43,636
baseline
▲ 0.50% · 4.625%
HK$45,936
+HK$2,300/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,272/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,656
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,045
−HK$1,411/mo
Today · 4.125%
HK$47,456
baseline
▲ 0.50% · 4.625%
HK$50,344
+HK$2,888/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,912/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,679
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,012
−HK$1,351/mo
Today · 4.125%
HK$52,363
baseline
▲ 0.50% · 4.625%
HK$55,124
+HK$2,761/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,726/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,099
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,719
−HK$1,647/mo
Today · 4.125%
HK$55,366
baseline
▲ 0.50% · 4.625%
HK$58,735
+HK$3,369/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$110,732/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,959
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,514
−HK$1,577/mo
Today · 4.125%
HK$61,091
baseline
▲ 0.50% · 4.625%
HK$64,311
+HK$3,220/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$122,182/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,984
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,068
−HK$2,116/mo
Today · 4.125%
HK$71,184
baseline
▲ 0.50% · 4.625%
HK$75,516
+HK$4,332/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,368/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,519
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,518
−HK$2,027/mo
Today · 4.125%
HK$78,545
baseline
▲ 0.50% · 4.625%
HK$82,685
+HK$4,140/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,090/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,993 · Scale 2, in force from 26 Feb 2026)