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$37,153
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,308
−HK$1,175/mo
Today · 4.125%
HK$39,483
baseline
▲ 0.50% · 4.625%
HK$41,885
+HK$2,402/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,966/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,332
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,441
−HK$1,124/mo
Today · 4.125%
HK$43,565
baseline
▲ 0.50% · 4.625%
HK$45,862
+HK$2,297/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,130/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,583
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,970
−HK$1,409/mo
Today · 4.125%
HK$47,379
baseline
▲ 0.50% · 4.625%
HK$50,262
+HK$2,883/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,758/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,599
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,929
−HK$1,349/mo
Today · 4.125%
HK$52,278
baseline
▲ 0.50% · 4.625%
HK$55,034
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,556/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,014
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,632
−HK$1,644/mo
Today · 4.125%
HK$55,276
baseline
▲ 0.50% · 4.625%
HK$58,639
+HK$3,363/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,552/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,865
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,417
−HK$1,574/mo
Today · 4.125%
HK$60,991
baseline
▲ 0.50% · 4.625%
HK$64,206
+HK$3,215/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$121,982/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,875
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,955
−HK$2,114/mo
Today · 4.125%
HK$71,069
baseline
▲ 0.50% · 4.625%
HK$75,393
+HK$4,324/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,138/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,398
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,393
−HK$2,024/mo
Today · 4.125%
HK$78,417
baseline
▲ 0.50% · 4.625%
HK$82,551
+HK$4,134/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,834/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,998 · Scale 2, in force from 26 Feb 2026)