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$37,189
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,346
−HK$1,175/mo
Today · 4.125%
HK$39,521
baseline
▲ 0.50% · 4.625%
HK$41,926
+HK$2,405/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,042/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,372
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,482
−HK$1,125/mo
Today · 4.125%
HK$43,607
baseline
▲ 0.50% · 4.625%
HK$45,906
+HK$2,299/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,214/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,626
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,015
−HK$1,410/mo
Today · 4.125%
HK$47,425
baseline
▲ 0.50% · 4.625%
HK$50,311
+HK$2,886/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$94,850/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,647
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,978
−HK$1,351/mo
Today · 4.125%
HK$52,329
baseline
▲ 0.50% · 4.625%
HK$55,087
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$104,658/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,064
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,684
−HK$1,645/mo
Today · 4.125%
HK$55,329
baseline
▲ 0.50% · 4.625%
HK$58,696
+HK$3,367/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,658/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,921
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,474
−HK$1,576/mo
Today · 4.125%
HK$61,050
baseline
▲ 0.50% · 4.625%
HK$64,268
+HK$3,218/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,100/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,940
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,022
−HK$2,115/mo
Today · 4.125%
HK$71,137
baseline
▲ 0.50% · 4.625%
HK$75,466
+HK$4,329/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,274/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,470
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,467
−HK$2,026/mo
Today · 4.125%
HK$78,493
baseline
▲ 0.50% · 4.625%
HK$82,631
+HK$4,138/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$156,986/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,588 · Scale 2, in force from 26 Feb 2026)