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$37,233
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,391
−HK$1,177/mo
Today · 4.125%
HK$39,568
baseline
▲ 0.50% · 4.625%
HK$41,976
+HK$2,408/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,136/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,422
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,533
−HK$1,126/mo
Today · 4.125%
HK$43,659
baseline
▲ 0.50% · 4.625%
HK$45,961
+HK$2,302/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,318/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,680
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,070
−HK$1,412/mo
Today · 4.125%
HK$47,482
baseline
▲ 0.50% · 4.625%
HK$50,371
+HK$2,889/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,964/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,706
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,039
−HK$1,352/mo
Today · 4.125%
HK$52,391
baseline
▲ 0.50% · 4.625%
HK$55,153
+HK$2,762/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,782/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,127
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,748
−HK$1,647/mo
Today · 4.125%
HK$55,395
baseline
▲ 0.50% · 4.625%
HK$58,766
+HK$3,371/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,790/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,990
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,546
−HK$1,577/mo
Today · 4.125%
HK$61,123
baseline
▲ 0.50% · 4.625%
HK$64,345
+HK$3,222/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,246/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,020
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,105
−HK$2,118/mo
Today · 4.125%
HK$71,223
baseline
▲ 0.50% · 4.625%
HK$75,556
+HK$4,333/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,446/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,559
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,559
−HK$2,028/mo
Today · 4.125%
HK$78,587
baseline
▲ 0.50% · 4.625%
HK$82,729
+HK$4,142/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,174/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,320 · Scale 2, in force from 26 Feb 2026)