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$37,214
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,372
−HK$1,176/mo
Today · 4.125%
HK$39,548
baseline
▲ 0.50% · 4.625%
HK$41,954
+HK$2,406/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,096/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,400
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,511
−HK$1,126/mo
Today · 4.125%
HK$43,637
baseline
▲ 0.50% · 4.625%
HK$45,937
+HK$2,300/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,274/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,657
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,046
−HK$1,411/mo
Today · 4.125%
HK$47,457
baseline
▲ 0.50% · 4.625%
HK$50,345
+HK$2,888/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,914/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,680
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,013
−HK$1,351/mo
Today · 4.125%
HK$52,364
baseline
▲ 0.50% · 4.625%
HK$55,125
+HK$2,761/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,728/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,100
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,720
−HK$1,647/mo
Today · 4.125%
HK$55,367
baseline
▲ 0.50% · 4.625%
HK$58,736
+HK$3,369/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$110,734/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,960
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,515
−HK$1,577/mo
Today · 4.125%
HK$61,092
baseline
▲ 0.50% · 4.625%
HK$64,312
+HK$3,220/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$122,184/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,985
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,069
−HK$2,117/mo
Today · 4.125%
HK$71,186
baseline
▲ 0.50% · 4.625%
HK$75,517
+HK$4,331/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,372/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,520
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,519
−HK$2,028/mo
Today · 4.125%
HK$78,547
baseline
▲ 0.50% · 4.625%
HK$82,687
+HK$4,140/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,094/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,005 · Scale 2, in force from 26 Feb 2026)