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$37,136
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,291
−HK$1,174/mo
Today · 4.125%
HK$39,465
baseline
▲ 0.50% · 4.625%
HK$41,866
+HK$2,401/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,930/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,313
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,421
−HK$1,124/mo
Today · 4.125%
HK$43,545
baseline
▲ 0.50% · 4.625%
HK$45,841
+HK$2,296/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,090/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,563
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,949
−HK$1,409/mo
Today · 4.125%
HK$47,358
baseline
▲ 0.50% · 4.625%
HK$50,239
+HK$2,881/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,716/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,576
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,906
−HK$1,348/mo
Today · 4.125%
HK$52,254
baseline
▲ 0.50% · 4.625%
HK$55,009
+HK$2,755/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,508/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,990
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,607
−HK$1,643/mo
Today · 4.125%
HK$55,250
baseline
▲ 0.50% · 4.625%
HK$58,612
+HK$3,362/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,500/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,839
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,390
−HK$1,573/mo
Today · 4.125%
HK$60,963
baseline
▲ 0.50% · 4.625%
HK$64,177
+HK$3,214/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,926/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,845
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,924
−HK$2,112/mo
Today · 4.125%
HK$71,036
baseline
▲ 0.50% · 4.625%
HK$75,359
+HK$4,323/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,072/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,364
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,358
−HK$2,024/mo
Today · 4.125%
HK$78,382
baseline
▲ 0.50% · 4.625%
HK$82,513
+HK$4,131/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,764/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,719 · Scale 2, in force from 26 Feb 2026)