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$37,180
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,336
−HK$1,175/mo
Today · 4.125%
HK$39,511
baseline
▲ 0.50% · 4.625%
HK$41,916
+HK$2,405/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,022/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,362
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,472
−HK$1,125/mo
Today · 4.125%
HK$43,597
baseline
▲ 0.50% · 4.625%
HK$45,895
+HK$2,298/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,194/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,616
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,004
−HK$1,410/mo
Today · 4.125%
HK$47,414
baseline
▲ 0.50% · 4.625%
HK$50,299
+HK$2,885/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,828/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,635
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,966
−HK$1,350/mo
Today · 4.125%
HK$52,316
baseline
▲ 0.50% · 4.625%
HK$55,074
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,632/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,052
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,671
−HK$1,645/mo
Today · 4.125%
HK$55,316
baseline
▲ 0.50% · 4.625%
HK$58,682
+HK$3,366/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,632/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,907
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,460
−HK$1,576/mo
Today · 4.125%
HK$61,036
baseline
▲ 0.50% · 4.625%
HK$64,253
+HK$3,217/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,072/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,924
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,006
−HK$2,115/mo
Today · 4.125%
HK$71,121
baseline
▲ 0.50% · 4.625%
HK$75,448
+HK$4,327/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,242/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,452
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,449
−HK$2,025/mo
Today · 4.125%
HK$78,474
baseline
▲ 0.50% · 4.625%
HK$82,611
+HK$4,137/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,948/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,443 · Scale 2, in force from 26 Feb 2026)