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$37,196
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,353
−HK$1,176/mo
Today · 4.125%
HK$39,529
baseline
▲ 0.50% · 4.625%
HK$41,934
+HK$2,405/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,058/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,380
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,490
−HK$1,126/mo
Today · 4.125%
HK$43,616
baseline
▲ 0.50% · 4.625%
HK$45,915
+HK$2,299/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,232/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,635
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,024
−HK$1,410/mo
Today · 4.125%
HK$47,434
baseline
▲ 0.50% · 4.625%
HK$50,321
+HK$2,887/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$94,868/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,656
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,988
−HK$1,351/mo
Today · 4.125%
HK$52,339
baseline
▲ 0.50% · 4.625%
HK$55,098
+HK$2,759/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$104,678/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,075
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,694
−HK$1,646/mo
Today · 4.125%
HK$55,340
baseline
▲ 0.50% · 4.625%
HK$58,707
+HK$3,367/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,680/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,932
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,486
−HK$1,576/mo
Today · 4.125%
HK$61,062
baseline
▲ 0.50% · 4.625%
HK$64,281
+HK$3,219/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,124/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,953
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,036
−HK$2,116/mo
Today · 4.125%
HK$71,152
baseline
▲ 0.50% · 4.625%
HK$75,481
+HK$4,329/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,304/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,485
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,482
−HK$2,027/mo
Today · 4.125%
HK$78,509
baseline
▲ 0.50% · 4.625%
HK$82,647
+HK$4,138/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$157,018/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,710 · Scale 2, in force from 26 Feb 2026)