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$37,116
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,271
−HK$1,173/mo
Today · 4.125%
HK$39,444
baseline
▲ 0.50% · 4.625%
HK$41,844
+HK$2,400/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,888/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,291
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,399
−HK$1,123/mo
Today · 4.125%
HK$43,522
baseline
▲ 0.50% · 4.625%
HK$45,816
+HK$2,294/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,044/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,539
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,925
−HK$1,407/mo
Today · 4.125%
HK$47,332
baseline
▲ 0.50% · 4.625%
HK$50,212
+HK$2,880/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,664/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,549
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,878
−HK$1,348/mo
Today · 4.125%
HK$52,226
baseline
▲ 0.50% · 4.625%
HK$54,979
+HK$2,753/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,452/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,962
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,579
−HK$1,642/mo
Today · 4.125%
HK$55,221
baseline
▲ 0.50% · 4.625%
HK$58,581
+HK$3,360/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,442/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,808
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,358
−HK$1,573/mo
Today · 4.125%
HK$60,931
baseline
▲ 0.50% · 4.625%
HK$64,143
+HK$3,212/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,862/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,809
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,887
−HK$2,111/mo
Today · 4.125%
HK$70,998
baseline
▲ 0.50% · 4.625%
HK$75,318
+HK$4,320/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$141,996/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,324
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,318
−HK$2,022/mo
Today · 4.125%
HK$78,340
baseline
▲ 0.50% · 4.625%
HK$82,469
+HK$4,129/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,680/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,393 · Scale 2, in force from 26 Feb 2026)