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$37,086
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,240
−HK$1,172/mo
Today · 4.125%
HK$39,412
baseline
▲ 0.50% · 4.625%
HK$41,810
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,824/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,258
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,365
−HK$1,122/mo
Today · 4.125%
HK$43,487
baseline
▲ 0.50% · 4.625%
HK$45,780
+HK$2,293/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,974/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,504
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,888
−HK$1,406/mo
Today · 4.125%
HK$47,294
baseline
▲ 0.50% · 4.625%
HK$50,172
+HK$2,878/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,588/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,510
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,838
−HK$1,347/mo
Today · 4.125%
HK$52,185
baseline
▲ 0.50% · 4.625%
HK$54,936
+HK$2,751/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,370/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,921
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,536
−HK$1,641/mo
Today · 4.125%
HK$55,177
baseline
▲ 0.50% · 4.625%
HK$58,534
+HK$3,357/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,354/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,762
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,311
−HK$1,571/mo
Today · 4.125%
HK$60,882
baseline
▲ 0.50% · 4.625%
HK$64,091
+HK$3,209/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,764/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,756
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,832
−HK$2,110/mo
Today · 4.125%
HK$70,942
baseline
▲ 0.50% · 4.625%
HK$75,258
+HK$4,316/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,884/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,265
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,257
−HK$2,020/mo
Today · 4.125%
HK$78,277
baseline
▲ 0.50% · 4.625%
HK$82,403
+HK$4,126/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,554/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,906 · Scale 2, in force from 26 Feb 2026)