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$37,126
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,281
−HK$1,173/mo
Today · 4.125%
HK$39,454
baseline
▲ 0.50% · 4.625%
HK$41,855
+HK$2,401/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,908/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,303
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,410
−HK$1,124/mo
Today · 4.125%
HK$43,534
baseline
▲ 0.50% · 4.625%
HK$45,829
+HK$2,295/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,068/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,551
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,937
−HK$1,408/mo
Today · 4.125%
HK$47,345
baseline
▲ 0.50% · 4.625%
HK$50,226
+HK$2,881/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,690/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,563
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,892
−HK$1,349/mo
Today · 4.125%
HK$52,241
baseline
▲ 0.50% · 4.625%
HK$54,994
+HK$2,753/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,482/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,977
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,593
−HK$1,643/mo
Today · 4.125%
HK$55,236
baseline
▲ 0.50% · 4.625%
HK$58,597
+HK$3,361/mo
Deposit HK$4.88M · loan HK$11.40M · min. income ≈ HK$110,472/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,824
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,374
−HK$1,574/mo
Today · 4.125%
HK$60,948
baseline
▲ 0.50% · 4.625%
HK$64,160
+HK$3,212/mo
Deposit HK$4.88M · loan HK$11.40M · min. income ≈ HK$121,896/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,827
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,906
−HK$2,112/mo
Today · 4.125%
HK$71,018
baseline
▲ 0.50% · 4.625%
HK$75,339
+HK$4,321/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$142,036/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,345
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,338
−HK$2,023/mo
Today · 4.125%
HK$78,361
baseline
▲ 0.50% · 4.625%
HK$82,492
+HK$4,131/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,722/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,561 · Scale 2, in force from 26 Feb 2026)