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$37,120
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,275
−HK$1,173/mo
Today · 4.125%
HK$39,448
baseline
▲ 0.50% · 4.625%
HK$41,848
+HK$2,400/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,896/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,296
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,403
−HK$1,124/mo
Today · 4.125%
HK$43,527
baseline
▲ 0.50% · 4.625%
HK$45,821
+HK$2,294/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,054/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,544
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,930
−HK$1,408/mo
Today · 4.125%
HK$47,338
baseline
▲ 0.50% · 4.625%
HK$50,218
+HK$2,880/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,676/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,555
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,884
−HK$1,348/mo
Today · 4.125%
HK$52,232
baseline
▲ 0.50% · 4.625%
HK$54,986
+HK$2,754/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,464/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,968
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,585
−HK$1,642/mo
Today · 4.125%
HK$55,227
baseline
▲ 0.50% · 4.625%
HK$58,588
+HK$3,361/mo
Deposit HK$4.88M · loan HK$11.40M · min. income ≈ HK$110,454/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,814
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,365
−HK$1,573/mo
Today · 4.125%
HK$60,938
baseline
▲ 0.50% · 4.625%
HK$64,150
+HK$3,212/mo
Deposit HK$4.88M · loan HK$11.40M · min. income ≈ HK$121,876/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,816
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,895
−HK$2,111/mo
Today · 4.125%
HK$71,006
baseline
▲ 0.50% · 4.625%
HK$75,327
+HK$4,321/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$142,012/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,332
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,326
−HK$2,022/mo
Today · 4.125%
HK$78,348
baseline
▲ 0.50% · 4.625%
HK$82,478
+HK$4,130/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,696/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,461 · Scale 2, in force from 26 Feb 2026)