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$37,200
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,357
−HK$1,176/mo
Today · 4.125%
HK$39,533
baseline
▲ 0.50% · 4.625%
HK$41,938
+HK$2,405/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,066/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,384
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,494
−HK$1,126/mo
Today · 4.125%
HK$43,620
baseline
▲ 0.50% · 4.625%
HK$45,920
+HK$2,300/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,240/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,640
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,028
−HK$1,411/mo
Today · 4.125%
HK$47,439
baseline
▲ 0.50% · 4.625%
HK$50,326
+HK$2,887/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,878/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,661
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,993
−HK$1,351/mo
Today · 4.125%
HK$52,344
baseline
▲ 0.50% · 4.625%
HK$55,103
+HK$2,759/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,688/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,080
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,700
−HK$1,646/mo
Today · 4.125%
HK$55,346
baseline
▲ 0.50% · 4.625%
HK$58,713
+HK$3,367/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,692/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,938
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,492
−HK$1,576/mo
Today · 4.125%
HK$61,068
baseline
▲ 0.50% · 4.625%
HK$64,287
+HK$3,219/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,136/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,960
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,042
−HK$2,117/mo
Today · 4.125%
HK$71,159
baseline
▲ 0.50% · 4.625%
HK$75,488
+HK$4,329/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,318/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,492
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,490
−HK$2,026/mo
Today · 4.125%
HK$78,516
baseline
▲ 0.50% · 4.625%
HK$82,655
+HK$4,139/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$157,032/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,770 · Scale 2, in force from 26 Feb 2026)