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$37,152
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,307
−HK$1,174/mo
Today · 4.125%
HK$39,481
baseline
▲ 0.50% · 4.625%
HK$41,884
+HK$2,403/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,962/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,331
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,439
−HK$1,125/mo
Today · 4.125%
HK$43,564
baseline
▲ 0.50% · 4.625%
HK$45,860
+HK$2,296/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,128/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,582
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,969
−HK$1,409/mo
Today · 4.125%
HK$47,378
baseline
▲ 0.50% · 4.625%
HK$50,260
+HK$2,882/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,756/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,597
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,927
−HK$1,349/mo
Today · 4.125%
HK$52,276
baseline
▲ 0.50% · 4.625%
HK$55,032
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,552/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,012
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,630
−HK$1,644/mo
Today · 4.125%
HK$55,274
baseline
▲ 0.50% · 4.625%
HK$58,637
+HK$3,363/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,548/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,863
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,415
−HK$1,574/mo
Today · 4.125%
HK$60,989
baseline
▲ 0.50% · 4.625%
HK$64,204
+HK$3,215/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,978/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,873
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,953
−HK$2,113/mo
Today · 4.125%
HK$71,066
baseline
▲ 0.50% · 4.625%
HK$75,391
+HK$4,325/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,132/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,395
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,391
−HK$2,024/mo
Today · 4.125%
HK$78,415
baseline
▲ 0.50% · 4.625%
HK$82,548
+HK$4,133/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,830/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,977 · Scale 2, in force from 26 Feb 2026)