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$37,233
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,391
−HK$1,176/mo
Today · 4.125%
HK$39,567
baseline
▲ 0.50% · 4.625%
HK$41,975
+HK$2,408/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,134/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,421
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,532
−HK$1,127/mo
Today · 4.125%
HK$43,659
baseline
▲ 0.50% · 4.625%
HK$45,960
+HK$2,301/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,318/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,679
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,069
−HK$1,412/mo
Today · 4.125%
HK$47,481
baseline
▲ 0.50% · 4.625%
HK$50,370
+HK$2,889/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,962/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,705
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,038
−HK$1,352/mo
Today · 4.125%
HK$52,390
baseline
▲ 0.50% · 4.625%
HK$55,152
+HK$2,762/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,780/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,126
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,747
−HK$1,647/mo
Today · 4.125%
HK$55,394
baseline
▲ 0.50% · 4.625%
HK$58,765
+HK$3,371/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,788/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,989
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,544
−HK$1,578/mo
Today · 4.125%
HK$61,122
baseline
▲ 0.50% · 4.625%
HK$64,344
+HK$3,222/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,244/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,019
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,103
−HK$2,118/mo
Today · 4.125%
HK$71,221
baseline
▲ 0.50% · 4.625%
HK$75,555
+HK$4,334/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,442/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,557
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,557
−HK$2,029/mo
Today · 4.125%
HK$78,586
baseline
▲ 0.50% · 4.625%
HK$82,728
+HK$4,142/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,172/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,309 · Scale 2, in force from 26 Feb 2026)