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$37,146
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,302
−HK$1,174/mo
Today · 4.125%
HK$39,476
baseline
▲ 0.50% · 4.625%
HK$41,878
+HK$2,402/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,952/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,325
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,433
−HK$1,124/mo
Today · 4.125%
HK$43,557
baseline
▲ 0.50% · 4.625%
HK$45,853
+HK$2,296/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,114/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,575
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,962
−HK$1,409/mo
Today · 4.125%
HK$47,371
baseline
▲ 0.50% · 4.625%
HK$50,253
+HK$2,882/mo
Deposit HK$6.52M · loan HK$9.77M · min. income ≈ HK$94,742/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,590
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,920
−HK$1,349/mo
Today · 4.125%
HK$52,269
baseline
▲ 0.50% · 4.625%
HK$55,024
+HK$2,755/mo
Deposit HK$6.52M · loan HK$9.77M · min. income ≈ HK$104,538/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,005
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,622
−HK$1,644/mo
Today · 4.125%
HK$55,266
baseline
▲ 0.50% · 4.625%
HK$58,629
+HK$3,363/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,532/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,855
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,406
−HK$1,574/mo
Today · 4.125%
HK$60,980
baseline
▲ 0.50% · 4.625%
HK$64,195
+HK$3,215/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,960/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,863
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,943
−HK$2,113/mo
Today · 4.125%
HK$71,056
baseline
▲ 0.50% · 4.625%
HK$75,380
+HK$4,324/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,112/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,385
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,380
−HK$2,023/mo
Today · 4.125%
HK$78,403
baseline
▲ 0.50% · 4.625%
HK$82,536
+HK$4,133/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,806/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,890 · Scale 2, in force from 26 Feb 2026)