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$37,150
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,306
−HK$1,174/mo
Today · 4.125%
HK$39,480
baseline
▲ 0.50% · 4.625%
HK$41,882
+HK$2,402/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,960/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,329
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,437
−HK$1,125/mo
Today · 4.125%
HK$43,562
baseline
▲ 0.50% · 4.625%
HK$45,858
+HK$2,296/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,124/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,580
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,967
−HK$1,409/mo
Today · 4.125%
HK$47,376
baseline
▲ 0.50% · 4.625%
HK$50,258
+HK$2,882/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,752/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,595
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,925
−HK$1,349/mo
Today · 4.125%
HK$52,274
baseline
▲ 0.50% · 4.625%
HK$55,030
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,548/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,010
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,628
−HK$1,644/mo
Today · 4.125%
HK$55,272
baseline
▲ 0.50% · 4.625%
HK$58,635
+HK$3,363/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,544/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,861
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,412
−HK$1,575/mo
Today · 4.125%
HK$60,987
baseline
▲ 0.50% · 4.625%
HK$64,201
+HK$3,214/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,974/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,870
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,950
−HK$2,113/mo
Today · 4.125%
HK$71,063
baseline
▲ 0.50% · 4.625%
HK$75,387
+HK$4,324/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,126/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,392
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,387
−HK$2,024/mo
Today · 4.125%
HK$78,411
baseline
▲ 0.50% · 4.625%
HK$82,545
+HK$4,134/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,822/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,952 · Scale 2, in force from 26 Feb 2026)