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$37,203
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,360
−HK$1,176/mo
Today · 4.125%
HK$39,536
baseline
▲ 0.50% · 4.625%
HK$41,942
+HK$2,406/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,072/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,388
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,498
−HK$1,126/mo
Today · 4.125%
HK$43,624
baseline
▲ 0.50% · 4.625%
HK$45,924
+HK$2,300/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,248/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,644
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,032
−HK$1,411/mo
Today · 4.125%
HK$47,443
baseline
▲ 0.50% · 4.625%
HK$50,330
+HK$2,887/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,886/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,666
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,998
−HK$1,351/mo
Today · 4.125%
HK$52,349
baseline
▲ 0.50% · 4.625%
HK$55,108
+HK$2,759/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,698/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,084
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,705
−HK$1,646/mo
Today · 4.125%
HK$55,351
baseline
▲ 0.50% · 4.625%
HK$58,719
+HK$3,368/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,702/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,943
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,497
−HK$1,577/mo
Today · 4.125%
HK$61,074
baseline
▲ 0.50% · 4.625%
HK$64,293
+HK$3,219/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,148/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,966
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,049
−HK$2,116/mo
Today · 4.125%
HK$71,165
baseline
▲ 0.50% · 4.625%
HK$75,495
+HK$4,330/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,330/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,499
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,497
−HK$2,027/mo
Today · 4.125%
HK$78,524
baseline
▲ 0.50% · 4.625%
HK$82,663
+HK$4,139/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$157,048/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,826 · Scale 2, in force from 26 Feb 2026)