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$37,207
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,365
−HK$1,176/mo
Today · 4.125%
HK$39,541
baseline
▲ 0.50% · 4.625%
HK$41,947
+HK$2,406/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,082/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,393
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,503
−HK$1,126/mo
Today · 4.125%
HK$43,629
baseline
▲ 0.50% · 4.625%
HK$45,929
+HK$2,300/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,258/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,649
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,038
−HK$1,411/mo
Today · 4.125%
HK$47,449
baseline
▲ 0.50% · 4.625%
HK$50,336
+HK$2,887/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,898/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,671
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,004
−HK$1,351/mo
Today · 4.125%
HK$52,355
baseline
▲ 0.50% · 4.625%
HK$55,115
+HK$2,760/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,710/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,090
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,711
−HK$1,646/mo
Today · 4.125%
HK$55,357
baseline
▲ 0.50% · 4.625%
HK$58,725
+HK$3,368/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$110,714/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,950
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,504
−HK$1,577/mo
Today · 4.125%
HK$61,081
baseline
▲ 0.50% · 4.625%
HK$64,300
+HK$3,219/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$122,162/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,973
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,056
−HK$2,117/mo
Today · 4.125%
HK$71,173
baseline
▲ 0.50% · 4.625%
HK$75,504
+HK$4,331/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,346/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,507
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,505
−HK$2,027/mo
Today · 4.125%
HK$78,532
baseline
▲ 0.50% · 4.625%
HK$82,672
+HK$4,140/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,064/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,895 · Scale 2, in force from 26 Feb 2026)