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$37,191
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,348
−HK$1,175/mo
Today · 4.125%
HK$39,523
baseline
▲ 0.50% · 4.625%
HK$41,928
+HK$2,405/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,046/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,375
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,485
−HK$1,125/mo
Today · 4.125%
HK$43,610
baseline
▲ 0.50% · 4.625%
HK$45,909
+HK$2,299/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,220/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,630
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,018
−HK$1,410/mo
Today · 4.125%
HK$47,428
baseline
▲ 0.50% · 4.625%
HK$50,314
+HK$2,886/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$94,856/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,650
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,981
−HK$1,351/mo
Today · 4.125%
HK$52,332
baseline
▲ 0.50% · 4.625%
HK$55,091
+HK$2,759/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$104,664/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,068
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,687
−HK$1,646/mo
Today · 4.125%
HK$55,333
baseline
▲ 0.50% · 4.625%
HK$58,700
+HK$3,367/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,666/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,925
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,478
−HK$1,576/mo
Today · 4.125%
HK$61,054
baseline
▲ 0.50% · 4.625%
HK$64,273
+HK$3,219/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,108/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,944
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,027
−HK$2,115/mo
Today · 4.125%
HK$71,142
baseline
▲ 0.50% · 4.625%
HK$75,471
+HK$4,329/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,284/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,475
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,472
−HK$2,026/mo
Today · 4.125%
HK$78,498
baseline
▲ 0.50% · 4.625%
HK$82,636
+HK$4,138/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$156,996/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,630 · Scale 2, in force from 26 Feb 2026)