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$37,167
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,323
−HK$1,174/mo
Today · 4.125%
HK$39,497
baseline
▲ 0.50% · 4.625%
HK$41,901
+HK$2,404/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,994/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,348
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,456
−HK$1,125/mo
Today · 4.125%
HK$43,581
baseline
▲ 0.50% · 4.625%
HK$45,879
+HK$2,298/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,162/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,600
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,987
−HK$1,410/mo
Today · 4.125%
HK$47,397
baseline
▲ 0.50% · 4.625%
HK$50,281
+HK$2,884/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,794/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,617
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,948
−HK$1,350/mo
Today · 4.125%
HK$52,298
baseline
▲ 0.50% · 4.625%
HK$55,054
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,596/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,033
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,652
−HK$1,644/mo
Today · 4.125%
HK$55,296
baseline
▲ 0.50% · 4.625%
HK$58,661
+HK$3,365/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,592/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,887
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,439
−HK$1,575/mo
Today · 4.125%
HK$61,014
baseline
▲ 0.50% · 4.625%
HK$64,230
+HK$3,216/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,028/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,900
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,981
−HK$2,114/mo
Today · 4.125%
HK$71,095
baseline
▲ 0.50% · 4.625%
HK$75,421
+HK$4,326/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,190/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,426
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,422
−HK$2,025/mo
Today · 4.125%
HK$78,447
baseline
▲ 0.50% · 4.625%
HK$82,582
+HK$4,135/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,894/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,226 · Scale 2, in force from 26 Feb 2026)