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$37,227
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,385
−HK$1,176/mo
Today · 4.125%
HK$39,561
baseline
▲ 0.50% · 4.625%
HK$41,969
+HK$2,408/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,122/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,415
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,525
−HK$1,127/mo
Today · 4.125%
HK$43,652
baseline
▲ 0.50% · 4.625%
HK$45,953
+HK$2,301/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,304/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,672
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,062
−HK$1,412/mo
Today · 4.125%
HK$47,474
baseline
▲ 0.50% · 4.625%
HK$50,362
+HK$2,888/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,948/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,698
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,030
−HK$1,353/mo
Today · 4.125%
HK$52,383
baseline
▲ 0.50% · 4.625%
HK$55,144
+HK$2,761/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,766/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,118
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,739
−HK$1,647/mo
Today · 4.125%
HK$55,386
baseline
▲ 0.50% · 4.625%
HK$58,756
+HK$3,370/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,772/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,980
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,535
−HK$1,578/mo
Today · 4.125%
HK$61,113
baseline
▲ 0.50% · 4.625%
HK$64,334
+HK$3,221/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,226/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,008
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,093
−HK$2,118/mo
Today · 4.125%
HK$71,211
baseline
▲ 0.50% · 4.625%
HK$75,543
+HK$4,332/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,422/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,546
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,546
−HK$2,028/mo
Today · 4.125%
HK$78,574
baseline
▲ 0.50% · 4.625%
HK$82,716
+HK$4,142/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,148/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,217 · Scale 2, in force from 26 Feb 2026)