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$37,232
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,390
−HK$1,177/mo
Today · 4.125%
HK$39,567
baseline
▲ 0.50% · 4.625%
HK$41,975
+HK$2,408/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,134/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,421
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,531
−HK$1,127/mo
Today · 4.125%
HK$43,658
baseline
▲ 0.50% · 4.625%
HK$45,960
+HK$2,302/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,316/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,679
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,069
−HK$1,411/mo
Today · 4.125%
HK$47,480
baseline
▲ 0.50% · 4.625%
HK$50,370
+HK$2,890/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,960/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,705
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,038
−HK$1,352/mo
Today · 4.125%
HK$52,390
baseline
▲ 0.50% · 4.625%
HK$55,152
+HK$2,762/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,780/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,125
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,747
−HK$1,647/mo
Today · 4.125%
HK$55,394
baseline
▲ 0.50% · 4.625%
HK$58,764
+HK$3,370/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,788/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,989
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,544
−HK$1,578/mo
Today · 4.125%
HK$61,122
baseline
▲ 0.50% · 4.625%
HK$64,344
+HK$3,222/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,244/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,018
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,103
−HK$2,118/mo
Today · 4.125%
HK$71,221
baseline
▲ 0.50% · 4.625%
HK$75,554
+HK$4,333/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,442/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,557
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,557
−HK$2,028/mo
Today · 4.125%
HK$78,585
baseline
▲ 0.50% · 4.625%
HK$82,727
+HK$4,142/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,170/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,305 · Scale 2, in force from 26 Feb 2026)