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$37,231
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,390
−HK$1,176/mo
Today · 4.125%
HK$39,566
baseline
▲ 0.50% · 4.625%
HK$41,974
+HK$2,408/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,132/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,420
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,530
−HK$1,127/mo
Today · 4.125%
HK$43,657
baseline
▲ 0.50% · 4.625%
HK$45,959
+HK$2,302/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,314/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,678
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,067
−HK$1,412/mo
Today · 4.125%
HK$47,479
baseline
▲ 0.50% · 4.625%
HK$50,368
+HK$2,889/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,958/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,704
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,037
−HK$1,352/mo
Today · 4.125%
HK$52,389
baseline
▲ 0.50% · 4.625%
HK$55,150
+HK$2,761/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,778/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,124
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,745
−HK$1,648/mo
Today · 4.125%
HK$55,393
baseline
▲ 0.50% · 4.625%
HK$58,763
+HK$3,370/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,786/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,987
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,543
−HK$1,577/mo
Today · 4.125%
HK$61,120
baseline
▲ 0.50% · 4.625%
HK$64,342
+HK$3,222/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,240/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,017
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,101
−HK$2,118/mo
Today · 4.125%
HK$71,219
baseline
▲ 0.50% · 4.625%
HK$75,553
+HK$4,334/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,438/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,555
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,555
−HK$2,028/mo
Today · 4.125%
HK$78,583
baseline
▲ 0.50% · 4.625%
HK$82,726
+HK$4,143/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,166/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,291 · Scale 2, in force from 26 Feb 2026)