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$37,159
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,315
−HK$1,174/mo
Today · 4.125%
HK$39,489
baseline
▲ 0.50% · 4.625%
HK$41,892
+HK$2,403/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,978/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,339
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,447
−HK$1,125/mo
Today · 4.125%
HK$43,572
baseline
▲ 0.50% · 4.625%
HK$45,869
+HK$2,297/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,144/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,590
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,977
−HK$1,410/mo
Today · 4.125%
HK$47,387
baseline
▲ 0.50% · 4.625%
HK$50,270
+HK$2,883/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,774/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,606
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,937
−HK$1,350/mo
Today · 4.125%
HK$52,287
baseline
▲ 0.50% · 4.625%
HK$55,043
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,574/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,022
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,640
−HK$1,644/mo
Today · 4.125%
HK$55,284
baseline
▲ 0.50% · 4.625%
HK$58,648
+HK$3,364/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,568/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,874
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,426
−HK$1,575/mo
Today · 4.125%
HK$61,001
baseline
▲ 0.50% · 4.625%
HK$64,216
+HK$3,215/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,002/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,886
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,966
−HK$2,114/mo
Today · 4.125%
HK$71,080
baseline
▲ 0.50% · 4.625%
HK$75,405
+HK$4,325/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,160/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,410
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,405
−HK$2,025/mo
Today · 4.125%
HK$78,430
baseline
▲ 0.50% · 4.625%
HK$82,564
+HK$4,134/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,860/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,095 · Scale 2, in force from 26 Feb 2026)