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$37,170
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,326
−HK$1,174/mo
Today · 4.125%
HK$39,500
baseline
▲ 0.50% · 4.625%
HK$41,904
+HK$2,404/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,000/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,351
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,460
−HK$1,125/mo
Today · 4.125%
HK$43,585
baseline
▲ 0.50% · 4.625%
HK$45,882
+HK$2,297/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,170/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,604
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,991
−HK$1,410/mo
Today · 4.125%
HK$47,401
baseline
▲ 0.50% · 4.625%
HK$50,285
+HK$2,884/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,802/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,621
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,952
−HK$1,350/mo
Today · 4.125%
HK$52,302
baseline
▲ 0.50% · 4.625%
HK$55,059
+HK$2,757/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,604/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,037
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,656
−HK$1,645/mo
Today · 4.125%
HK$55,301
baseline
▲ 0.50% · 4.625%
HK$58,666
+HK$3,365/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,602/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,891
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,444
−HK$1,575/mo
Today · 4.125%
HK$61,019
baseline
▲ 0.50% · 4.625%
HK$64,235
+HK$3,216/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,038/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,905
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,986
−HK$2,115/mo
Today · 4.125%
HK$71,101
baseline
▲ 0.50% · 4.625%
HK$75,427
+HK$4,326/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,202/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,431
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,428
−HK$2,025/mo
Today · 4.125%
HK$78,453
baseline
▲ 0.50% · 4.625%
HK$82,588
+HK$4,135/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,906/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,274 · Scale 2, in force from 26 Feb 2026)