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$37,202
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,359
−HK$1,176/mo
Today · 4.125%
HK$39,535
baseline
▲ 0.50% · 4.625%
HK$41,940
+HK$2,405/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,070/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,387
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,497
−HK$1,126/mo
Today · 4.125%
HK$43,623
baseline
▲ 0.50% · 4.625%
HK$45,922
+HK$2,299/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,246/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,642
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,031
−HK$1,411/mo
Today · 4.125%
HK$47,442
baseline
▲ 0.50% · 4.625%
HK$50,329
+HK$2,887/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,884/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,664
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,996
−HK$1,351/mo
Today · 4.125%
HK$52,347
baseline
▲ 0.50% · 4.625%
HK$55,107
+HK$2,760/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,694/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,083
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,703
−HK$1,646/mo
Today · 4.125%
HK$55,349
baseline
▲ 0.50% · 4.625%
HK$58,717
+HK$3,368/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,698/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,942
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,496
−HK$1,576/mo
Today · 4.125%
HK$61,072
baseline
▲ 0.50% · 4.625%
HK$64,291
+HK$3,219/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,144/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,964
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,047
−HK$2,116/mo
Today · 4.125%
HK$71,163
baseline
▲ 0.50% · 4.625%
HK$75,493
+HK$4,330/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,326/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,496
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,494
−HK$2,027/mo
Today · 4.125%
HK$78,521
baseline
▲ 0.50% · 4.625%
HK$82,660
+HK$4,139/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$157,042/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,806 · Scale 2, in force from 26 Feb 2026)