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$37,062
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,215
−HK$1,172/mo
Today · 4.125%
HK$39,387
baseline
▲ 0.50% · 4.625%
HK$41,783
+HK$2,396/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,774/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,232
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,337
−HK$1,122/mo
Today · 4.125%
HK$43,459
baseline
▲ 0.50% · 4.625%
HK$45,750
+HK$2,291/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,918/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,475
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,858
−HK$1,406/mo
Today · 4.125%
HK$47,264
baseline
▲ 0.50% · 4.625%
HK$50,140
+HK$2,876/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,528/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,478
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,805
−HK$1,346/mo
Today · 4.125%
HK$52,151
baseline
▲ 0.50% · 4.625%
HK$54,900
+HK$2,749/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,302/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,887
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,501
−HK$1,640/mo
Today · 4.125%
HK$55,141
baseline
▲ 0.50% · 4.625%
HK$58,496
+HK$3,355/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,282/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,724
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,272
−HK$1,571/mo
Today · 4.125%
HK$60,843
baseline
▲ 0.50% · 4.625%
HK$64,050
+HK$3,207/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,686/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,712
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,788
−HK$2,108/mo
Today · 4.125%
HK$70,896
baseline
▲ 0.50% · 4.625%
HK$75,210
+HK$4,314/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,792/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,217
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,207
−HK$2,020/mo
Today · 4.125%
HK$78,227
baseline
▲ 0.50% · 4.625%
HK$82,350
+HK$4,123/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,454/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,512 · Scale 2, in force from 26 Feb 2026)