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$37,180
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,337
−HK$1,175/mo
Today · 4.125%
HK$39,512
baseline
▲ 0.50% · 4.625%
HK$41,916
+HK$2,404/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,024/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,363
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,472
−HK$1,125/mo
Today · 4.125%
HK$43,597
baseline
▲ 0.50% · 4.625%
HK$45,896
+HK$2,299/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,194/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,616
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,004
−HK$1,410/mo
Today · 4.125%
HK$47,414
baseline
▲ 0.50% · 4.625%
HK$50,299
+HK$2,885/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,828/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,635
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,967
−HK$1,350/mo
Today · 4.125%
HK$52,317
baseline
▲ 0.50% · 4.625%
HK$55,075
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,634/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,052
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,672
−HK$1,645/mo
Today · 4.125%
HK$55,317
baseline
▲ 0.50% · 4.625%
HK$58,683
+HK$3,366/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,634/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,908
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,461
−HK$1,575/mo
Today · 4.125%
HK$61,036
baseline
▲ 0.50% · 4.625%
HK$64,254
+HK$3,218/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,072/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,925
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$69,006
−HK$2,115/mo
Today · 4.125%
HK$71,121
baseline
▲ 0.50% · 4.625%
HK$75,449
+HK$4,328/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,242/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,453
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,450
−HK$2,025/mo
Today · 4.125%
HK$78,475
baseline
▲ 0.50% · 4.625%
HK$82,612
+HK$4,137/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,950/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,451 · Scale 2, in force from 26 Feb 2026)