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$37,206
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,363
−HK$1,176/mo
Today · 4.125%
HK$39,539
baseline
▲ 0.50% · 4.625%
HK$41,945
+HK$2,406/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,078/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,391
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,501
−HK$1,126/mo
Today · 4.125%
HK$43,627
baseline
▲ 0.50% · 4.625%
HK$45,927
+HK$2,300/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,254/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,647
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,036
−HK$1,411/mo
Today · 4.125%
HK$47,447
baseline
▲ 0.50% · 4.625%
HK$50,334
+HK$2,887/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,894/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,669
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,001
−HK$1,352/mo
Today · 4.125%
HK$52,353
baseline
▲ 0.50% · 4.625%
HK$55,112
+HK$2,759/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,706/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,088
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,708
−HK$1,646/mo
Today · 4.125%
HK$55,354
baseline
▲ 0.50% · 4.625%
HK$58,722
+HK$3,368/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,708/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,947
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,501
−HK$1,577/mo
Today · 4.125%
HK$61,078
baseline
▲ 0.50% · 4.625%
HK$64,298
+HK$3,220/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,156/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,970
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,053
−HK$2,117/mo
Today · 4.125%
HK$71,170
baseline
▲ 0.50% · 4.625%
HK$75,500
+HK$4,330/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,340/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,504
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,502
−HK$2,027/mo
Today · 4.125%
HK$78,529
baseline
▲ 0.50% · 4.625%
HK$82,668
+HK$4,139/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$157,058/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,867 · Scale 2, in force from 26 Feb 2026)