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$37,179
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,336
−HK$1,175/mo
Today · 4.125%
HK$39,511
baseline
▲ 0.50% · 4.625%
HK$41,915
+HK$2,404/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,022/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,362
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,471
−HK$1,125/mo
Today · 4.125%
HK$43,596
baseline
▲ 0.50% · 4.625%
HK$45,894
+HK$2,298/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,192/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,615
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,003
−HK$1,410/mo
Today · 4.125%
HK$47,413
baseline
▲ 0.50% · 4.625%
HK$50,298
+HK$2,885/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,826/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,634
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,965
−HK$1,351/mo
Today · 4.125%
HK$52,316
baseline
▲ 0.50% · 4.625%
HK$55,073
+HK$2,757/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,632/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,051
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,670
−HK$1,645/mo
Today · 4.125%
HK$55,315
baseline
▲ 0.50% · 4.625%
HK$58,681
+HK$3,366/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,630/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,906
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,459
−HK$1,576/mo
Today · 4.125%
HK$61,035
baseline
▲ 0.50% · 4.625%
HK$64,252
+HK$3,217/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,070/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,923
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,005
−HK$2,115/mo
Today · 4.125%
HK$71,120
baseline
▲ 0.50% · 4.625%
HK$75,447
+HK$4,327/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,240/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,451
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,448
−HK$2,026/mo
Today · 4.125%
HK$78,474
baseline
▲ 0.50% · 4.625%
HK$82,610
+HK$4,136/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,948/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,436 · Scale 2, in force from 26 Feb 2026)