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$37,178
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,334
−HK$1,175/mo
Today · 4.125%
HK$39,509
baseline
▲ 0.50% · 4.625%
HK$41,913
+HK$2,404/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,018/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,360
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,469
−HK$1,125/mo
Today · 4.125%
HK$43,594
baseline
▲ 0.50% · 4.625%
HK$45,892
+HK$2,298/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,188/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,613
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,001
−HK$1,410/mo
Today · 4.125%
HK$47,411
baseline
▲ 0.50% · 4.625%
HK$50,296
+HK$2,885/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,822/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,632
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,963
−HK$1,350/mo
Today · 4.125%
HK$52,313
baseline
▲ 0.50% · 4.625%
HK$55,071
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,626/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,049
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,668
−HK$1,645/mo
Today · 4.125%
HK$55,313
baseline
▲ 0.50% · 4.625%
HK$58,678
+HK$3,365/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,626/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,904
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,457
−HK$1,575/mo
Today · 4.125%
HK$61,032
baseline
▲ 0.50% · 4.625%
HK$64,249
+HK$3,217/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,064/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,920
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$69,002
−HK$2,114/mo
Today · 4.125%
HK$71,116
baseline
▲ 0.50% · 4.625%
HK$75,444
+HK$4,328/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,232/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,448
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,444
−HK$2,026/mo
Today · 4.125%
HK$78,470
baseline
▲ 0.50% · 4.625%
HK$82,606
+HK$4,136/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,940/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,408 · Scale 2, in force from 26 Feb 2026)