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$37,137
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,292
−HK$1,174/mo
Today · 4.125%
HK$39,466
baseline
▲ 0.50% · 4.625%
HK$41,868
+HK$2,402/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,932/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,315
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,423
−HK$1,124/mo
Today · 4.125%
HK$43,547
baseline
▲ 0.50% · 4.625%
HK$45,842
+HK$2,295/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,094/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,565
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,951
−HK$1,408/mo
Today · 4.125%
HK$47,359
baseline
▲ 0.50% · 4.625%
HK$50,241
+HK$2,882/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,718/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,578
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,907
−HK$1,349/mo
Today · 4.125%
HK$52,256
baseline
▲ 0.50% · 4.625%
HK$55,011
+HK$2,755/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,512/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,992
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,609
−HK$1,644/mo
Today · 4.125%
HK$55,253
baseline
▲ 0.50% · 4.625%
HK$58,615
+HK$3,362/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,506/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,841
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,392
−HK$1,574/mo
Today · 4.125%
HK$60,966
baseline
▲ 0.50% · 4.625%
HK$64,179
+HK$3,213/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,932/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,847
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,926
−HK$2,113/mo
Today · 4.125%
HK$71,039
baseline
▲ 0.50% · 4.625%
HK$75,362
+HK$4,323/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,078/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,367
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,361
−HK$2,023/mo
Today · 4.125%
HK$78,384
baseline
▲ 0.50% · 4.625%
HK$82,516
+HK$4,132/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,768/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,742 · Scale 2, in force from 26 Feb 2026)