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$37,169
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,325
−HK$1,174/mo
Today · 4.125%
HK$39,499
baseline
▲ 0.50% · 4.625%
HK$41,903
+HK$2,404/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,998/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,350
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,459
−HK$1,125/mo
Today · 4.125%
HK$43,584
baseline
▲ 0.50% · 4.625%
HK$45,881
+HK$2,297/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,168/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,602
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,990
−HK$1,409/mo
Today · 4.125%
HK$47,399
baseline
▲ 0.50% · 4.625%
HK$50,283
+HK$2,884/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,798/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,620
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,950
−HK$1,351/mo
Today · 4.125%
HK$52,301
baseline
▲ 0.50% · 4.625%
HK$55,057
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,602/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,036
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,655
−HK$1,644/mo
Today · 4.125%
HK$55,299
baseline
▲ 0.50% · 4.625%
HK$58,664
+HK$3,365/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,598/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,890
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,442
−HK$1,575/mo
Today · 4.125%
HK$61,017
baseline
▲ 0.50% · 4.625%
HK$64,234
+HK$3,217/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,034/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,904
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,985
−HK$2,114/mo
Today · 4.125%
HK$71,099
baseline
▲ 0.50% · 4.625%
HK$75,425
+HK$4,326/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,198/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,430
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,426
−HK$2,025/mo
Today · 4.125%
HK$78,451
baseline
▲ 0.50% · 4.625%
HK$82,586
+HK$4,135/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,902/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,258 · Scale 2, in force from 26 Feb 2026)