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$37,038
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,190
−HK$1,171/mo
Today · 4.125%
HK$39,361
baseline
▲ 0.50% · 4.625%
HK$41,756
+HK$2,395/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,722/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,205
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,310
−HK$1,121/mo
Today · 4.125%
HK$43,431
baseline
▲ 0.50% · 4.625%
HK$45,720
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,862/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,446
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,829
−HK$1,404/mo
Today · 4.125%
HK$47,233
baseline
▲ 0.50% · 4.625%
HK$50,107
+HK$2,874/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,466/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,446
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,772
−HK$1,345/mo
Today · 4.125%
HK$52,117
baseline
▲ 0.50% · 4.625%
HK$54,864
+HK$2,747/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,234/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,854
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,467
−HK$1,638/mo
Today · 4.125%
HK$55,105
baseline
▲ 0.50% · 4.625%
HK$58,458
+HK$3,353/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,210/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,687
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,234
−HK$1,569/mo
Today · 4.125%
HK$60,803
baseline
▲ 0.50% · 4.625%
HK$64,008
+HK$3,205/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,606/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,669
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,743
−HK$2,107/mo
Today · 4.125%
HK$70,850
baseline
▲ 0.50% · 4.625%
HK$75,161
+HK$4,311/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,700/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,169
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,158
−HK$2,018/mo
Today · 4.125%
HK$78,176
baseline
▲ 0.50% · 4.625%
HK$82,296
+HK$4,120/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,352/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,115 · Scale 2, in force from 26 Feb 2026)