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$37,053
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,205
−HK$1,171/mo
Today · 4.125%
HK$39,376
baseline
▲ 0.50% · 4.625%
HK$41,772
+HK$2,396/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,752/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,221
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,326
−HK$1,122/mo
Today · 4.125%
HK$43,448
baseline
▲ 0.50% · 4.625%
HK$45,738
+HK$2,290/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,896/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,463
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,846
−HK$1,405/mo
Today · 4.125%
HK$47,251
baseline
▲ 0.50% · 4.625%
HK$50,126
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,502/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,465
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,791
−HK$1,346/mo
Today · 4.125%
HK$52,137
baseline
▲ 0.50% · 4.625%
HK$54,885
+HK$2,748/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,274/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,874
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,487
−HK$1,639/mo
Today · 4.125%
HK$55,126
baseline
▲ 0.50% · 4.625%
HK$58,481
+HK$3,355/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,252/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,709
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,256
−HK$1,571/mo
Today · 4.125%
HK$60,827
baseline
▲ 0.50% · 4.625%
HK$64,033
+HK$3,206/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,654/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,695
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,769
−HK$2,108/mo
Today · 4.125%
HK$70,877
baseline
▲ 0.50% · 4.625%
HK$75,190
+HK$4,313/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,754/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,197
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,187
−HK$2,019/mo
Today · 4.125%
HK$78,206
baseline
▲ 0.50% · 4.625%
HK$82,328
+HK$4,122/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,412/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,348 · Scale 2, in force from 26 Feb 2026)