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$37,086
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,239
−HK$1,172/mo
Today · 4.125%
HK$39,411
baseline
▲ 0.50% · 4.625%
HK$41,810
+HK$2,399/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,822/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,258
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,364
−HK$1,123/mo
Today · 4.125%
HK$43,487
baseline
▲ 0.50% · 4.625%
HK$45,779
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,974/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,503
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,887
−HK$1,407/mo
Today · 4.125%
HK$47,294
baseline
▲ 0.50% · 4.625%
HK$50,172
+HK$2,878/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,588/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,509
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,837
−HK$1,347/mo
Today · 4.125%
HK$52,184
baseline
▲ 0.50% · 4.625%
HK$54,935
+HK$2,751/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,368/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,920
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,535
−HK$1,641/mo
Today · 4.125%
HK$55,176
baseline
▲ 0.50% · 4.625%
HK$58,533
+HK$3,357/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,352/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,761
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,310
−HK$1,571/mo
Today · 4.125%
HK$60,881
baseline
▲ 0.50% · 4.625%
HK$64,091
+HK$3,210/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,762/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,755
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,831
−HK$2,110/mo
Today · 4.125%
HK$70,941
baseline
▲ 0.50% · 4.625%
HK$75,257
+HK$4,316/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,882/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,264
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,256
−HK$2,020/mo
Today · 4.125%
HK$78,276
baseline
▲ 0.50% · 4.625%
HK$82,402
+HK$4,126/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,552/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,897 · Scale 2, in force from 26 Feb 2026)