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$37,193
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,350
−HK$1,176/mo
Today · 4.125%
HK$39,526
baseline
▲ 0.50% · 4.625%
HK$41,931
+HK$2,405/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,052/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,377
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,487
−HK$1,126/mo
Today · 4.125%
HK$43,613
baseline
▲ 0.50% · 4.625%
HK$45,912
+HK$2,299/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,226/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,632
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,020
−HK$1,411/mo
Today · 4.125%
HK$47,431
baseline
▲ 0.50% · 4.625%
HK$50,317
+HK$2,886/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$94,862/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,653
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,984
−HK$1,351/mo
Today · 4.125%
HK$52,335
baseline
▲ 0.50% · 4.625%
HK$55,094
+HK$2,759/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$104,670/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,071
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,690
−HK$1,646/mo
Today · 4.125%
HK$55,336
baseline
▲ 0.50% · 4.625%
HK$58,703
+HK$3,367/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,672/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,928
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,482
−HK$1,576/mo
Today · 4.125%
HK$61,058
baseline
▲ 0.50% · 4.625%
HK$64,276
+HK$3,218/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,116/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,948
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,031
−HK$2,115/mo
Today · 4.125%
HK$71,146
baseline
▲ 0.50% · 4.625%
HK$75,475
+HK$4,329/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,292/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,479
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,477
−HK$2,026/mo
Today · 4.125%
HK$78,503
baseline
▲ 0.50% · 4.625%
HK$82,641
+HK$4,138/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$157,006/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,665 · Scale 2, in force from 26 Feb 2026)