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$37,152
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,308
−HK$1,174/mo
Today · 4.125%
HK$39,482
baseline
▲ 0.50% · 4.625%
HK$41,884
+HK$2,402/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,964/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,331
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,440
−HK$1,124/mo
Today · 4.125%
HK$43,564
baseline
▲ 0.50% · 4.625%
HK$45,861
+HK$2,297/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,128/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,583
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,969
−HK$1,409/mo
Today · 4.125%
HK$47,378
baseline
▲ 0.50% · 4.625%
HK$50,261
+HK$2,883/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,756/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,598
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,928
−HK$1,349/mo
Today · 4.125%
HK$52,277
baseline
▲ 0.50% · 4.625%
HK$55,033
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,554/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,013
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,631
−HK$1,644/mo
Today · 4.125%
HK$55,275
baseline
▲ 0.50% · 4.625%
HK$58,638
+HK$3,363/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,550/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,864
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,416
−HK$1,574/mo
Today · 4.125%
HK$60,990
baseline
▲ 0.50% · 4.625%
HK$64,205
+HK$3,215/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$121,980/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,874
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,954
−HK$2,114/mo
Today · 4.125%
HK$71,068
baseline
▲ 0.50% · 4.625%
HK$75,392
+HK$4,324/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,136/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,397
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,392
−HK$2,024/mo
Today · 4.125%
HK$78,416
baseline
▲ 0.50% · 4.625%
HK$82,549
+HK$4,133/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,832/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,988 · Scale 2, in force from 26 Feb 2026)