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$37,216
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,373
−HK$1,176/mo
Today · 4.125%
HK$39,549
baseline
▲ 0.50% · 4.625%
HK$41,956
+HK$2,407/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,098/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,402
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,512
−HK$1,127/mo
Today · 4.125%
HK$43,639
baseline
▲ 0.50% · 4.625%
HK$45,939
+HK$2,300/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,278/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,659
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,048
−HK$1,411/mo
Today · 4.125%
HK$47,459
baseline
▲ 0.50% · 4.625%
HK$50,347
+HK$2,888/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,918/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,682
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,015
−HK$1,352/mo
Today · 4.125%
HK$52,367
baseline
▲ 0.50% · 4.625%
HK$55,127
+HK$2,760/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,734/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,102
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,723
−HK$1,646/mo
Today · 4.125%
HK$55,369
baseline
▲ 0.50% · 4.625%
HK$58,738
+HK$3,369/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$110,738/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,963
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,517
−HK$1,577/mo
Today · 4.125%
HK$61,094
baseline
▲ 0.50% · 4.625%
HK$64,315
+HK$3,221/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$122,188/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,988
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,072
−HK$2,117/mo
Today · 4.125%
HK$71,189
baseline
▲ 0.50% · 4.625%
HK$75,521
+HK$4,332/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,378/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,524
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,522
−HK$2,028/mo
Today · 4.125%
HK$78,550
baseline
▲ 0.50% · 4.625%
HK$82,690
+HK$4,140/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,100/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,030 · Scale 2, in force from 26 Feb 2026)