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$37,134
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,289
−HK$1,173/mo
Today · 4.125%
HK$39,462
baseline
▲ 0.50% · 4.625%
HK$41,864
+HK$2,402/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,924/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,311
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,419
−HK$1,124/mo
Today · 4.125%
HK$43,543
baseline
▲ 0.50% · 4.625%
HK$45,838
+HK$2,295/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,086/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,561
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,947
−HK$1,408/mo
Today · 4.125%
HK$47,355
baseline
▲ 0.50% · 4.625%
HK$50,236
+HK$2,881/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,710/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,573
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,903
−HK$1,348/mo
Today · 4.125%
HK$52,251
baseline
▲ 0.50% · 4.625%
HK$55,006
+HK$2,755/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,502/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,987
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,604
−HK$1,643/mo
Today · 4.125%
HK$55,247
baseline
▲ 0.50% · 4.625%
HK$58,609
+HK$3,362/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,494/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,835
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,386
−HK$1,574/mo
Today · 4.125%
HK$60,960
baseline
▲ 0.50% · 4.625%
HK$64,173
+HK$3,213/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,920/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,841
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,920
−HK$2,112/mo
Today · 4.125%
HK$71,032
baseline
▲ 0.50% · 4.625%
HK$75,354
+HK$4,322/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,064/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,360
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,354
−HK$2,023/mo
Today · 4.125%
HK$78,377
baseline
▲ 0.50% · 4.625%
HK$82,509
+HK$4,132/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,754/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,685 · Scale 2, in force from 26 Feb 2026)