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$37,238
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,397
−HK$1,177/mo
Today · 4.125%
HK$39,574
baseline
▲ 0.50% · 4.625%
HK$41,982
+HK$2,408/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,148/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,427
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,538
−HK$1,128/mo
Today · 4.125%
HK$43,666
baseline
▲ 0.50% · 4.625%
HK$45,967
+HK$2,301/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,332/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,686
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,076
−HK$1,412/mo
Today · 4.125%
HK$47,488
baseline
▲ 0.50% · 4.625%
HK$50,378
+HK$2,890/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,976/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,713
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,046
−HK$1,353/mo
Today · 4.125%
HK$52,399
baseline
▲ 0.50% · 4.625%
HK$55,161
+HK$2,762/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,798/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,134
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,755
−HK$1,648/mo
Today · 4.125%
HK$55,403
baseline
▲ 0.50% · 4.625%
HK$58,774
+HK$3,371/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,806/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,998
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,554
−HK$1,578/mo
Today · 4.125%
HK$61,132
baseline
▲ 0.50% · 4.625%
HK$64,354
+HK$3,222/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,264/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,029
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,114
−HK$2,118/mo
Today · 4.125%
HK$71,232
baseline
▲ 0.50% · 4.625%
HK$75,567
+HK$4,335/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,464/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,569
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,569
−HK$2,029/mo
Today · 4.125%
HK$78,598
baseline
▲ 0.50% · 4.625%
HK$82,741
+HK$4,143/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,196/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,405 · Scale 2, in force from 26 Feb 2026)