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$37,172
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,328
−HK$1,175/mo
Today · 4.125%
HK$39,503
baseline
▲ 0.50% · 4.625%
HK$41,906
+HK$2,403/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,006/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,353
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,462
−HK$1,125/mo
Today · 4.125%
HK$43,587
baseline
▲ 0.50% · 4.625%
HK$45,885
+HK$2,298/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,174/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,606
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,993
−HK$1,410/mo
Today · 4.125%
HK$47,403
baseline
▲ 0.50% · 4.625%
HK$50,287
+HK$2,884/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,806/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,624
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,955
−HK$1,350/mo
Today · 4.125%
HK$52,305
baseline
▲ 0.50% · 4.625%
HK$55,062
+HK$2,757/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,610/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,040
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,659
−HK$1,645/mo
Today · 4.125%
HK$55,304
baseline
▲ 0.50% · 4.625%
HK$58,669
+HK$3,365/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,608/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,894
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,447
−HK$1,575/mo
Today · 4.125%
HK$61,022
baseline
▲ 0.50% · 4.625%
HK$64,239
+HK$3,217/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,044/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,909
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,990
−HK$2,115/mo
Today · 4.125%
HK$71,105
baseline
▲ 0.50% · 4.625%
HK$75,431
+HK$4,326/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,210/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,435
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,432
−HK$2,025/mo
Today · 4.125%
HK$78,457
baseline
▲ 0.50% · 4.625%
HK$82,593
+HK$4,136/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,914/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,307 · Scale 2, in force from 26 Feb 2026)