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$37,243
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,402
−HK$1,177/mo
Today · 4.125%
HK$39,579
baseline
▲ 0.50% · 4.625%
HK$41,987
+HK$2,408/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,158/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,433
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,544
−HK$1,127/mo
Today · 4.125%
HK$43,671
baseline
▲ 0.50% · 4.625%
HK$45,973
+HK$2,302/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,342/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,692
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,082
−HK$1,412/mo
Today · 4.125%
HK$47,494
baseline
▲ 0.50% · 4.625%
HK$50,384
+HK$2,890/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,988/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,719
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,052
−HK$1,353/mo
Today · 4.125%
HK$52,405
baseline
▲ 0.50% · 4.625%
HK$55,168
+HK$2,763/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,810/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,140
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,762
−HK$1,648/mo
Today · 4.125%
HK$55,410
baseline
▲ 0.50% · 4.625%
HK$58,781
+HK$3,371/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,820/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,006
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,561
−HK$1,578/mo
Today · 4.125%
HK$61,139
baseline
▲ 0.50% · 4.625%
HK$64,362
+HK$3,223/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,278/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,037
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,123
−HK$2,118/mo
Today · 4.125%
HK$71,241
baseline
▲ 0.50% · 4.625%
HK$75,576
+HK$4,335/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,482/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,579
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,579
−HK$2,029/mo
Today · 4.125%
HK$78,608
baseline
▲ 0.50% · 4.625%
HK$82,751
+HK$4,143/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,216/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,482 · Scale 2, in force from 26 Feb 2026)