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$37,055
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,207
−HK$1,171/mo
Today · 4.125%
HK$39,378
baseline
▲ 0.50% · 4.625%
HK$41,775
+HK$2,397/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,756/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,223
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,329
−HK$1,121/mo
Today · 4.125%
HK$43,450
baseline
▲ 0.50% · 4.625%
HK$45,741
+HK$2,291/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,900/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,466
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,849
−HK$1,405/mo
Today · 4.125%
HK$47,254
baseline
▲ 0.50% · 4.625%
HK$50,129
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,508/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,468
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,794
−HK$1,346/mo
Today · 4.125%
HK$52,140
baseline
▲ 0.50% · 4.625%
HK$54,889
+HK$2,749/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,280/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,877
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,490
−HK$1,640/mo
Today · 4.125%
HK$55,130
baseline
▲ 0.50% · 4.625%
HK$58,484
+HK$3,354/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,260/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,712
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,260
−HK$1,570/mo
Today · 4.125%
HK$60,830
baseline
▲ 0.50% · 4.625%
HK$64,037
+HK$3,207/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,660/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,699
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,773
−HK$2,108/mo
Today · 4.125%
HK$70,881
baseline
▲ 0.50% · 4.625%
HK$75,194
+HK$4,313/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,762/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,202
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,192
−HK$2,018/mo
Today · 4.125%
HK$78,210
baseline
▲ 0.50% · 4.625%
HK$82,333
+HK$4,123/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,420/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,385 · Scale 2, in force from 26 Feb 2026)