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$37,185
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,342
−HK$1,175/mo
Today · 4.125%
HK$39,517
baseline
▲ 0.50% · 4.625%
HK$41,922
+HK$2,405/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,034/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,368
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,478
−HK$1,125/mo
Today · 4.125%
HK$43,603
baseline
▲ 0.50% · 4.625%
HK$45,902
+HK$2,299/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,206/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,622
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,010
−HK$1,411/mo
Today · 4.125%
HK$47,421
baseline
▲ 0.50% · 4.625%
HK$50,306
+HK$2,885/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,842/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,642
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,973
−HK$1,351/mo
Today · 4.125%
HK$52,324
baseline
▲ 0.50% · 4.625%
HK$55,082
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,648/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,059
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,679
−HK$1,645/mo
Today · 4.125%
HK$55,324
baseline
▲ 0.50% · 4.625%
HK$58,690
+HK$3,366/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,648/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,916
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,469
−HK$1,576/mo
Today · 4.125%
HK$61,045
baseline
▲ 0.50% · 4.625%
HK$64,262
+HK$3,217/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,090/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,934
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,016
−HK$2,115/mo
Today · 4.125%
HK$71,131
baseline
▲ 0.50% · 4.625%
HK$75,459
+HK$4,328/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,262/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,463
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,460
−HK$2,026/mo
Today · 4.125%
HK$78,486
baseline
▲ 0.50% · 4.625%
HK$82,623
+HK$4,137/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$156,972/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,532 · Scale 2, in force from 26 Feb 2026)