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$37,230
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,388
−HK$1,177/mo
Today · 4.125%
HK$39,565
baseline
▲ 0.50% · 4.625%
HK$41,972
+HK$2,407/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,130/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,418
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,529
−HK$1,127/mo
Today · 4.125%
HK$43,656
baseline
▲ 0.50% · 4.625%
HK$45,957
+HK$2,301/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,312/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,676
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,066
−HK$1,412/mo
Today · 4.125%
HK$47,478
baseline
▲ 0.50% · 4.625%
HK$50,366
+HK$2,888/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,956/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,702
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,035
−HK$1,352/mo
Today · 4.125%
HK$52,387
baseline
▲ 0.50% · 4.625%
HK$55,148
+HK$2,761/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,774/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,122
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,743
−HK$1,647/mo
Today · 4.125%
HK$55,390
baseline
▲ 0.50% · 4.625%
HK$58,761
+HK$3,371/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,780/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,985
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,540
−HK$1,578/mo
Today · 4.125%
HK$61,118
baseline
▲ 0.50% · 4.625%
HK$64,340
+HK$3,222/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,236/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,014
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,098
−HK$2,118/mo
Today · 4.125%
HK$71,216
baseline
▲ 0.50% · 4.625%
HK$75,550
+HK$4,334/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,432/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,552
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,552
−HK$2,028/mo
Today · 4.125%
HK$78,580
baseline
▲ 0.50% · 4.625%
HK$82,722
+HK$4,142/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,160/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,267 · Scale 2, in force from 26 Feb 2026)