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$37,161
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,316
−HK$1,175/mo
Today · 4.125%
HK$39,491
baseline
▲ 0.50% · 4.625%
HK$41,894
+HK$2,403/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,982/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,341
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,449
−HK$1,125/mo
Today · 4.125%
HK$43,574
baseline
▲ 0.50% · 4.625%
HK$45,871
+HK$2,297/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,148/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,593
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,980
−HK$1,409/mo
Today · 4.125%
HK$47,389
baseline
▲ 0.50% · 4.625%
HK$50,272
+HK$2,883/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,778/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,609
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,939
−HK$1,350/mo
Today · 4.125%
HK$52,289
baseline
▲ 0.50% · 4.625%
HK$55,045
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,578/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,025
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,643
−HK$1,644/mo
Today · 4.125%
HK$55,287
baseline
▲ 0.50% · 4.625%
HK$58,651
+HK$3,364/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,574/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,877
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,429
−HK$1,575/mo
Today · 4.125%
HK$61,004
baseline
▲ 0.50% · 4.625%
HK$64,219
+HK$3,215/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,008/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,889
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,970
−HK$2,113/mo
Today · 4.125%
HK$71,083
baseline
▲ 0.50% · 4.625%
HK$75,409
+HK$4,326/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,166/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,413
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,409
−HK$2,025/mo
Today · 4.125%
HK$78,434
baseline
▲ 0.50% · 4.625%
HK$82,568
+HK$4,134/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,868/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,124 · Scale 2, in force from 26 Feb 2026)