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$37,184
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,340
−HK$1,175/mo
Today · 4.125%
HK$39,515
baseline
▲ 0.50% · 4.625%
HK$41,920
+HK$2,405/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,030/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,367
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,476
−HK$1,125/mo
Today · 4.125%
HK$43,601
baseline
▲ 0.50% · 4.625%
HK$45,900
+HK$2,299/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,202/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,620
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,008
−HK$1,411/mo
Today · 4.125%
HK$47,419
baseline
▲ 0.50% · 4.625%
HK$50,304
+HK$2,885/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,838/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,640
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,971
−HK$1,351/mo
Today · 4.125%
HK$52,322
baseline
▲ 0.50% · 4.625%
HK$55,080
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,644/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,057
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,677
−HK$1,645/mo
Today · 4.125%
HK$55,322
baseline
▲ 0.50% · 4.625%
HK$58,688
+HK$3,366/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,644/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,913
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,466
−HK$1,576/mo
Today · 4.125%
HK$61,042
baseline
▲ 0.50% · 4.625%
HK$64,260
+HK$3,218/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,084/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,931
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,013
−HK$2,115/mo
Today · 4.125%
HK$71,128
baseline
▲ 0.50% · 4.625%
HK$75,456
+HK$4,328/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,256/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,460
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,457
−HK$2,026/mo
Today · 4.125%
HK$78,483
baseline
▲ 0.50% · 4.625%
HK$82,620
+HK$4,137/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$156,966/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,506 · Scale 2, in force from 26 Feb 2026)