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$37,117
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,271
−HK$1,173/mo
Today · 4.125%
HK$39,444
baseline
▲ 0.50% · 4.625%
HK$41,844
+HK$2,400/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,888/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,292
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,399
−HK$1,124/mo
Today · 4.125%
HK$43,523
baseline
▲ 0.50% · 4.625%
HK$45,817
+HK$2,294/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,046/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,540
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,925
−HK$1,408/mo
Today · 4.125%
HK$47,333
baseline
▲ 0.50% · 4.625%
HK$50,213
+HK$2,880/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,666/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,550
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,879
−HK$1,348/mo
Today · 4.125%
HK$52,227
baseline
▲ 0.50% · 4.625%
HK$54,980
+HK$2,753/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,454/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,963
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,579
−HK$1,643/mo
Today · 4.125%
HK$55,222
baseline
▲ 0.50% · 4.625%
HK$58,582
+HK$3,360/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,444/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,808
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,359
−HK$1,573/mo
Today · 4.125%
HK$60,932
baseline
▲ 0.50% · 4.625%
HK$64,143
+HK$3,211/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,864/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,810
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,888
−HK$2,111/mo
Today · 4.125%
HK$70,999
baseline
▲ 0.50% · 4.625%
HK$75,319
+HK$4,320/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$141,998/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,325
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,318
−HK$2,023/mo
Today · 4.125%
HK$78,341
baseline
▲ 0.50% · 4.625%
HK$82,470
+HK$4,129/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,682/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,401 · Scale 2, in force from 26 Feb 2026)