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$37,195
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,352
−HK$1,175/mo
Today · 4.125%
HK$39,527
baseline
▲ 0.50% · 4.625%
HK$41,932
+HK$2,405/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,054/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,379
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,489
−HK$1,125/mo
Today · 4.125%
HK$43,614
baseline
▲ 0.50% · 4.625%
HK$45,913
+HK$2,299/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,228/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,634
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,022
−HK$1,411/mo
Today · 4.125%
HK$47,433
baseline
▲ 0.50% · 4.625%
HK$50,319
+HK$2,886/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$94,866/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,655
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,986
−HK$1,351/mo
Today · 4.125%
HK$52,337
baseline
▲ 0.50% · 4.625%
HK$55,096
+HK$2,759/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$104,674/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,073
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,692
−HK$1,646/mo
Today · 4.125%
HK$55,338
baseline
▲ 0.50% · 4.625%
HK$58,705
+HK$3,367/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,676/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,930
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,484
−HK$1,576/mo
Today · 4.125%
HK$61,060
baseline
▲ 0.50% · 4.625%
HK$64,279
+HK$3,219/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,120/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,951
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,033
−HK$2,116/mo
Today · 4.125%
HK$71,149
baseline
▲ 0.50% · 4.625%
HK$75,478
+HK$4,329/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,298/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,482
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,479
−HK$2,027/mo
Today · 4.125%
HK$78,506
baseline
▲ 0.50% · 4.625%
HK$82,644
+HK$4,138/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$157,012/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,688 · Scale 2, in force from 26 Feb 2026)