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$37,194
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,351
−HK$1,176/mo
Today · 4.125%
HK$39,527
baseline
▲ 0.50% · 4.625%
HK$41,932
+HK$2,405/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,054/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,378
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,488
−HK$1,126/mo
Today · 4.125%
HK$43,614
baseline
▲ 0.50% · 4.625%
HK$45,913
+HK$2,299/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,228/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,633
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,021
−HK$1,411/mo
Today · 4.125%
HK$47,432
baseline
▲ 0.50% · 4.625%
HK$50,318
+HK$2,886/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$94,864/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,654
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,986
−HK$1,351/mo
Today · 4.125%
HK$52,337
baseline
▲ 0.50% · 4.625%
HK$55,095
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$104,674/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,072
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,692
−HK$1,645/mo
Today · 4.125%
HK$55,337
baseline
▲ 0.50% · 4.625%
HK$58,704
+HK$3,367/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,674/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,930
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,483
−HK$1,576/mo
Today · 4.125%
HK$61,059
baseline
▲ 0.50% · 4.625%
HK$64,278
+HK$3,219/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,118/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,950
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,032
−HK$2,116/mo
Today · 4.125%
HK$71,148
baseline
▲ 0.50% · 4.625%
HK$75,477
+HK$4,329/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,296/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,481
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,478
−HK$2,027/mo
Today · 4.125%
HK$78,505
baseline
▲ 0.50% · 4.625%
HK$82,643
+HK$4,138/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$157,010/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,679 · Scale 2, in force from 26 Feb 2026)