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$37,228
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,386
−HK$1,176/mo
Today · 4.125%
HK$39,562
baseline
▲ 0.50% · 4.625%
HK$41,969
+HK$2,407/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,124/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,415
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,526
−HK$1,127/mo
Today · 4.125%
HK$43,653
baseline
▲ 0.50% · 4.625%
HK$45,954
+HK$2,301/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,306/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,673
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,063
−HK$1,411/mo
Today · 4.125%
HK$47,474
baseline
▲ 0.50% · 4.625%
HK$50,363
+HK$2,889/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,948/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,698
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,031
−HK$1,352/mo
Today · 4.125%
HK$52,383
baseline
▲ 0.50% · 4.625%
HK$55,145
+HK$2,762/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,766/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,119
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,740
−HK$1,647/mo
Today · 4.125%
HK$55,387
baseline
▲ 0.50% · 4.625%
HK$58,757
+HK$3,370/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,774/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,981
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,536
−HK$1,578/mo
Today · 4.125%
HK$61,114
baseline
▲ 0.50% · 4.625%
HK$64,335
+HK$3,221/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,228/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,010
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,094
−HK$2,118/mo
Today · 4.125%
HK$71,212
baseline
▲ 0.50% · 4.625%
HK$75,545
+HK$4,333/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,424/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,547
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,547
−HK$2,028/mo
Today · 4.125%
HK$78,575
baseline
▲ 0.50% · 4.625%
HK$82,717
+HK$4,142/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,150/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,227 · Scale 2, in force from 26 Feb 2026)