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$37,210
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,367
−HK$1,176/mo
Today · 4.125%
HK$39,543
baseline
▲ 0.50% · 4.625%
HK$41,949
+HK$2,406/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,086/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,396
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,506
−HK$1,126/mo
Today · 4.125%
HK$43,632
baseline
▲ 0.50% · 4.625%
HK$45,932
+HK$2,300/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,264/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,652
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,041
−HK$1,411/mo
Today · 4.125%
HK$47,452
baseline
▲ 0.50% · 4.625%
HK$50,339
+HK$2,887/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,904/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,675
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,007
−HK$1,352/mo
Today · 4.125%
HK$52,359
baseline
▲ 0.50% · 4.625%
HK$55,118
+HK$2,759/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,718/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,094
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,714
−HK$1,647/mo
Today · 4.125%
HK$55,361
baseline
▲ 0.50% · 4.625%
HK$58,729
+HK$3,368/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$110,722/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,954
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,508
−HK$1,577/mo
Today · 4.125%
HK$61,085
baseline
▲ 0.50% · 4.625%
HK$64,305
+HK$3,220/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$122,170/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,978
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,061
−HK$2,117/mo
Today · 4.125%
HK$71,178
baseline
▲ 0.50% · 4.625%
HK$75,509
+HK$4,331/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,356/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,512
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,511
−HK$2,027/mo
Today · 4.125%
HK$78,538
baseline
▲ 0.50% · 4.625%
HK$82,678
+HK$4,140/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,076/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,937 · Scale 2, in force from 26 Feb 2026)