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$37,131
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,286
−HK$1,174/mo
Today · 4.125%
HK$39,460
baseline
▲ 0.50% · 4.625%
HK$41,861
+HK$2,401/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,920/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,308
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,416
−HK$1,124/mo
Today · 4.125%
HK$43,540
baseline
▲ 0.50% · 4.625%
HK$45,835
+HK$2,295/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,080/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,558
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,944
−HK$1,408/mo
Today · 4.125%
HK$47,352
baseline
▲ 0.50% · 4.625%
HK$50,233
+HK$2,881/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,704/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,570
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,899
−HK$1,349/mo
Today · 4.125%
HK$52,248
baseline
▲ 0.50% · 4.625%
HK$55,002
+HK$2,754/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,496/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,984
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,601
−HK$1,643/mo
Today · 4.125%
HK$55,244
baseline
▲ 0.50% · 4.625%
HK$58,605
+HK$3,361/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,488/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,832
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,383
−HK$1,573/mo
Today · 4.125%
HK$60,956
baseline
▲ 0.50% · 4.625%
HK$64,169
+HK$3,213/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,912/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,836
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,915
−HK$2,113/mo
Today · 4.125%
HK$71,028
baseline
▲ 0.50% · 4.625%
HK$75,350
+HK$4,322/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,056/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,355
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,349
−HK$2,023/mo
Today · 4.125%
HK$78,372
baseline
▲ 0.50% · 4.625%
HK$82,503
+HK$4,131/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,744/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,645 · Scale 2, in force from 26 Feb 2026)