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$37,104
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,259
−HK$1,172/mo
Today · 4.125%
HK$39,431
baseline
▲ 0.50% · 4.625%
HK$41,830
+HK$2,399/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,862/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,278
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,385
−HK$1,123/mo
Today · 4.125%
HK$43,508
baseline
▲ 0.50% · 4.625%
HK$45,802
+HK$2,294/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,016/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,525
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,910
−HK$1,407/mo
Today · 4.125%
HK$47,317
baseline
▲ 0.50% · 4.625%
HK$50,197
+HK$2,880/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,634/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,534
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,862
−HK$1,348/mo
Today · 4.125%
HK$52,210
baseline
▲ 0.50% · 4.625%
HK$54,962
+HK$2,752/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,420/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,946
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,562
−HK$1,642/mo
Today · 4.125%
HK$55,204
baseline
▲ 0.50% · 4.625%
HK$58,563
+HK$3,359/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,408/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,790
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,339
−HK$1,573/mo
Today · 4.125%
HK$60,912
baseline
▲ 0.50% · 4.625%
HK$64,122
+HK$3,210/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,824/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,788
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,865
−HK$2,111/mo
Today · 4.125%
HK$70,976
baseline
▲ 0.50% · 4.625%
HK$75,295
+HK$4,319/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,952/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,301
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,294
−HK$2,021/mo
Today · 4.125%
HK$78,315
baseline
▲ 0.50% · 4.625%
HK$82,443
+HK$4,128/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,630/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,201 · Scale 2, in force from 26 Feb 2026)