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$37,037
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,190
−HK$1,170/mo
Today · 4.125%
HK$39,360
baseline
▲ 0.50% · 4.625%
HK$41,755
+HK$2,395/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,720/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,204
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,309
−HK$1,121/mo
Today · 4.125%
HK$43,430
baseline
▲ 0.50% · 4.625%
HK$45,719
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,860/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,445
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,827
−HK$1,405/mo
Today · 4.125%
HK$47,232
baseline
▲ 0.50% · 4.625%
HK$50,106
+HK$2,874/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,464/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,445
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,771
−HK$1,345/mo
Today · 4.125%
HK$52,116
baseline
▲ 0.50% · 4.625%
HK$54,863
+HK$2,747/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,232/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,852
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,465
−HK$1,639/mo
Today · 4.125%
HK$55,104
baseline
▲ 0.50% · 4.625%
HK$58,457
+HK$3,353/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,208/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,685
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,232
−HK$1,570/mo
Today · 4.125%
HK$60,802
baseline
▲ 0.50% · 4.625%
HK$64,007
+HK$3,205/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,604/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,667
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,741
−HK$2,107/mo
Today · 4.125%
HK$70,848
baseline
▲ 0.50% · 4.625%
HK$75,159
+HK$4,311/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,696/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,167
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,156
−HK$2,018/mo
Today · 4.125%
HK$78,174
baseline
▲ 0.50% · 4.625%
HK$82,295
+HK$4,121/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,348/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,101 · Scale 2, in force from 26 Feb 2026)