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$37,195
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,352
−HK$1,175/mo
Today · 4.125%
HK$39,527
baseline
▲ 0.50% · 4.625%
HK$41,933
+HK$2,406/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,054/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,379
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,489
−HK$1,126/mo
Today · 4.125%
HK$43,615
baseline
▲ 0.50% · 4.625%
HK$45,914
+HK$2,299/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,230/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,634
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,022
−HK$1,411/mo
Today · 4.125%
HK$47,433
baseline
▲ 0.50% · 4.625%
HK$50,319
+HK$2,886/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$94,866/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,655
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,987
−HK$1,351/mo
Today · 4.125%
HK$52,338
baseline
▲ 0.50% · 4.625%
HK$55,096
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$104,676/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,073
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,693
−HK$1,645/mo
Today · 4.125%
HK$55,338
baseline
▲ 0.50% · 4.625%
HK$58,706
+HK$3,368/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,676/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,931
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,484
−HK$1,577/mo
Today · 4.125%
HK$61,061
baseline
▲ 0.50% · 4.625%
HK$64,279
+HK$3,218/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,122/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,951
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,034
−HK$2,115/mo
Today · 4.125%
HK$71,149
baseline
▲ 0.50% · 4.625%
HK$75,479
+HK$4,330/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,298/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,482
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,480
−HK$2,026/mo
Today · 4.125%
HK$78,506
baseline
▲ 0.50% · 4.625%
HK$82,645
+HK$4,139/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$157,012/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,692 · Scale 2, in force from 26 Feb 2026)