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$37,055
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,208
−HK$1,171/mo
Today · 4.125%
HK$39,379
baseline
▲ 0.50% · 4.625%
HK$41,775
+HK$2,396/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,758/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,223
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,329
−HK$1,122/mo
Today · 4.125%
HK$43,451
baseline
▲ 0.50% · 4.625%
HK$45,741
+HK$2,290/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,902/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,466
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,849
−HK$1,406/mo
Today · 4.125%
HK$47,255
baseline
▲ 0.50% · 4.625%
HK$50,130
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,510/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,468
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,795
−HK$1,346/mo
Today · 4.125%
HK$52,141
baseline
▲ 0.50% · 4.625%
HK$54,889
+HK$2,748/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,282/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,877
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,491
−HK$1,639/mo
Today · 4.125%
HK$55,130
baseline
▲ 0.50% · 4.625%
HK$58,485
+HK$3,355/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,260/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,713
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,261
−HK$1,570/mo
Today · 4.125%
HK$60,831
baseline
▲ 0.50% · 4.625%
HK$64,037
+HK$3,206/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,662/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,699
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,774
−HK$2,108/mo
Today · 4.125%
HK$70,882
baseline
▲ 0.50% · 4.625%
HK$75,195
+HK$4,313/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,764/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,202
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,192
−HK$2,019/mo
Today · 4.125%
HK$78,211
baseline
▲ 0.50% · 4.625%
HK$82,334
+HK$4,123/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,422/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,391 · Scale 2, in force from 26 Feb 2026)