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$37,077
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,230
−HK$1,172/mo
Today · 4.125%
HK$39,402
baseline
▲ 0.50% · 4.625%
HK$41,800
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,804/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,248
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,354
−HK$1,122/mo
Today · 4.125%
HK$43,476
baseline
▲ 0.50% · 4.625%
HK$45,768
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,952/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,492
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,876
−HK$1,407/mo
Today · 4.125%
HK$47,283
baseline
▲ 0.50% · 4.625%
HK$50,160
+HK$2,877/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$94,566/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,497
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,825
−HK$1,347/mo
Today · 4.125%
HK$52,172
baseline
▲ 0.50% · 4.625%
HK$54,922
+HK$2,750/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$104,344/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,908
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,523
−HK$1,640/mo
Today · 4.125%
HK$55,163
baseline
▲ 0.50% · 4.625%
HK$58,520
+HK$3,357/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,326/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,747
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,296
−HK$1,571/mo
Today · 4.125%
HK$60,867
baseline
▲ 0.50% · 4.625%
HK$64,075
+HK$3,208/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,734/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,739
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,815
−HK$2,109/mo
Today · 4.125%
HK$70,924
baseline
▲ 0.50% · 4.625%
HK$75,239
+HK$4,315/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,848/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,246
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,237
−HK$2,020/mo
Today · 4.125%
HK$78,257
baseline
▲ 0.50% · 4.625%
HK$82,383
+HK$4,126/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,514/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,752 · Scale 2, in force from 26 Feb 2026)