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$37,224
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,381
−HK$1,177/mo
Today · 4.125%
HK$39,558
baseline
▲ 0.50% · 4.625%
HK$41,965
+HK$2,407/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,116/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,411
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,521
−HK$1,127/mo
Today · 4.125%
HK$43,648
baseline
▲ 0.50% · 4.625%
HK$45,949
+HK$2,301/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,296/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,668
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,058
−HK$1,411/mo
Today · 4.125%
HK$47,469
baseline
▲ 0.50% · 4.625%
HK$50,358
+HK$2,889/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,938/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,693
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,026
−HK$1,352/mo
Today · 4.125%
HK$52,378
baseline
▲ 0.50% · 4.625%
HK$55,139
+HK$2,761/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,756/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,113
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,734
−HK$1,647/mo
Today · 4.125%
HK$55,381
baseline
▲ 0.50% · 4.625%
HK$58,751
+HK$3,370/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,762/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,975
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,530
−HK$1,577/mo
Today · 4.125%
HK$61,107
baseline
▲ 0.50% · 4.625%
HK$64,328
+HK$3,221/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,214/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,002
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,086
−HK$2,118/mo
Today · 4.125%
HK$71,204
baseline
▲ 0.50% · 4.625%
HK$75,537
+HK$4,333/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,408/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,539
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,539
−HK$2,028/mo
Today · 4.125%
HK$78,567
baseline
▲ 0.50% · 4.625%
HK$82,708
+HK$4,141/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,134/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,160 · Scale 2, in force from 26 Feb 2026)