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$37,092
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,246
−HK$1,172/mo
Today · 4.125%
HK$39,418
baseline
▲ 0.50% · 4.625%
HK$41,817
+HK$2,399/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,836/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$610,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,265
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,372
−HK$1,122/mo
Today · 4.125%
HK$43,494
baseline
▲ 0.50% · 4.625%
HK$45,787
+HK$2,293/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,988/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$610,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,511
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,895
−HK$1,407/mo
Today · 4.125%
HK$47,302
baseline
▲ 0.50% · 4.625%
HK$50,180
+HK$2,878/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,604/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,518
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,846
−HK$1,347/mo
Today · 4.125%
HK$52,193
baseline
▲ 0.50% · 4.625%
HK$54,944
+HK$2,751/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,386/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,929
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,545
−HK$1,641/mo
Today · 4.125%
HK$55,186
baseline
▲ 0.50% · 4.625%
HK$58,544
+HK$3,358/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,372/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,771
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,320
−HK$1,572/mo
Today · 4.125%
HK$60,892
baseline
▲ 0.50% · 4.625%
HK$64,102
+HK$3,210/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,784/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,766
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,843
−HK$2,110/mo
Today · 4.125%
HK$70,953
baseline
▲ 0.50% · 4.625%
HK$75,270
+HK$4,317/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,906/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,277
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,269
−HK$2,021/mo
Today · 4.125%
HK$78,290
baseline
▲ 0.50% · 4.625%
HK$82,416
+HK$4,126/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,580/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,003 · Scale 2, in force from 26 Feb 2026)