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$37,236
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,395
−HK$1,176/mo
Today · 4.125%
HK$39,571
baseline
▲ 0.50% · 4.625%
HK$41,979
+HK$2,408/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,142/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,425
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,536
−HK$1,127/mo
Today · 4.125%
HK$43,663
baseline
▲ 0.50% · 4.625%
HK$45,965
+HK$2,302/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,326/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,684
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,074
−HK$1,412/mo
Today · 4.125%
HK$47,486
baseline
▲ 0.50% · 4.625%
HK$50,375
+HK$2,889/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,972/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,710
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,043
−HK$1,353/mo
Today · 4.125%
HK$52,396
baseline
▲ 0.50% · 4.625%
HK$55,158
+HK$2,762/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,792/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,131
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,752
−HK$1,648/mo
Today · 4.125%
HK$55,400
baseline
▲ 0.50% · 4.625%
HK$58,771
+HK$3,371/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,800/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,995
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,550
−HK$1,578/mo
Today · 4.125%
HK$61,128
baseline
▲ 0.50% · 4.625%
HK$64,351
+HK$3,223/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,256/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,025
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,110
−HK$2,119/mo
Today · 4.125%
HK$71,229
baseline
▲ 0.50% · 4.625%
HK$75,563
+HK$4,334/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,458/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,565
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,565
−HK$2,029/mo
Today · 4.125%
HK$78,594
baseline
▲ 0.50% · 4.625%
HK$82,736
+HK$4,142/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,188/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,372 · Scale 2, in force from 26 Feb 2026)