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$37,154
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,310
−HK$1,174/mo
Today · 4.125%
HK$39,484
baseline
▲ 0.50% · 4.625%
HK$41,887
+HK$2,403/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,968/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,334
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,442
−HK$1,125/mo
Today · 4.125%
HK$43,567
baseline
▲ 0.50% · 4.625%
HK$45,863
+HK$2,296/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,134/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,585
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,972
−HK$1,409/mo
Today · 4.125%
HK$47,381
baseline
▲ 0.50% · 4.625%
HK$50,264
+HK$2,883/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,762/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,600
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,931
−HK$1,349/mo
Today · 4.125%
HK$52,280
baseline
▲ 0.50% · 4.625%
HK$55,036
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,560/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,016
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,634
−HK$1,644/mo
Today · 4.125%
HK$55,278
baseline
▲ 0.50% · 4.625%
HK$58,641
+HK$3,363/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,556/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,867
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,419
−HK$1,574/mo
Today · 4.125%
HK$60,993
baseline
▲ 0.50% · 4.625%
HK$64,208
+HK$3,215/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$121,986/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,877
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,958
−HK$2,113/mo
Today · 4.125%
HK$71,071
baseline
▲ 0.50% · 4.625%
HK$75,396
+HK$4,325/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,142/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,400
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,396
−HK$2,024/mo
Today · 4.125%
HK$78,420
baseline
▲ 0.50% · 4.625%
HK$82,554
+HK$4,134/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,840/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,019 · Scale 2, in force from 26 Feb 2026)