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$37,127
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,282
−HK$1,173/mo
Today · 4.125%
HK$39,455
baseline
▲ 0.50% · 4.625%
HK$41,856
+HK$2,401/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,910/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,304
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,411
−HK$1,124/mo
Today · 4.125%
HK$43,535
baseline
▲ 0.50% · 4.625%
HK$45,830
+HK$2,295/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,070/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,553
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,938
−HK$1,408/mo
Today · 4.125%
HK$47,346
baseline
▲ 0.50% · 4.625%
HK$50,227
+HK$2,881/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,692/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,564
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,894
−HK$1,348/mo
Today · 4.125%
HK$52,242
baseline
▲ 0.50% · 4.625%
HK$54,996
+HK$2,754/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,484/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,978
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,595
−HK$1,643/mo
Today · 4.125%
HK$55,238
baseline
▲ 0.50% · 4.625%
HK$58,599
+HK$3,361/mo
Deposit HK$4.88M · loan HK$11.40M · min. income ≈ HK$110,476/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,825
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,376
−HK$1,573/mo
Today · 4.125%
HK$60,949
baseline
▲ 0.50% · 4.625%
HK$64,162
+HK$3,213/mo
Deposit HK$4.88M · loan HK$11.40M · min. income ≈ HK$121,898/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,829
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,908
−HK$2,112/mo
Today · 4.125%
HK$71,020
baseline
▲ 0.50% · 4.625%
HK$75,341
+HK$4,321/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$142,040/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,347
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,340
−HK$2,023/mo
Today · 4.125%
HK$78,363
baseline
▲ 0.50% · 4.625%
HK$82,494
+HK$4,131/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,726/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,576 · Scale 2, in force from 26 Feb 2026)