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$37,226
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,384
−HK$1,176/mo
Today · 4.125%
HK$39,560
baseline
▲ 0.50% · 4.625%
HK$41,967
+HK$2,407/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,120/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,413
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,524
−HK$1,127/mo
Today · 4.125%
HK$43,651
baseline
▲ 0.50% · 4.625%
HK$45,951
+HK$2,300/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,302/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,671
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,060
−HK$1,412/mo
Today · 4.125%
HK$47,472
baseline
▲ 0.50% · 4.625%
HK$50,360
+HK$2,888/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,944/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,696
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,029
−HK$1,352/mo
Today · 4.125%
HK$52,381
baseline
▲ 0.50% · 4.625%
HK$55,142
+HK$2,761/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,762/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,116
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,737
−HK$1,647/mo
Today · 4.125%
HK$55,384
baseline
▲ 0.50% · 4.625%
HK$58,754
+HK$3,370/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,768/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,978
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,533
−HK$1,578/mo
Today · 4.125%
HK$61,111
baseline
▲ 0.50% · 4.625%
HK$64,332
+HK$3,221/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,222/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,006
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,090
−HK$2,118/mo
Today · 4.125%
HK$71,208
baseline
▲ 0.50% · 4.625%
HK$75,541
+HK$4,333/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,416/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,544
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,543
−HK$2,028/mo
Today · 4.125%
HK$78,571
baseline
▲ 0.50% · 4.625%
HK$82,712
+HK$4,141/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,142/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,194 · Scale 2, in force from 26 Feb 2026)