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$37,071
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,224
−HK$1,172/mo
Today · 4.125%
HK$39,396
baseline
▲ 0.50% · 4.625%
HK$41,793
+HK$2,397/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,792/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,241
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,347
−HK$1,122/mo
Today · 4.125%
HK$43,469
baseline
▲ 0.50% · 4.625%
HK$45,761
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,938/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,485
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,869
−HK$1,406/mo
Today · 4.125%
HK$47,275
baseline
▲ 0.50% · 4.625%
HK$50,152
+HK$2,877/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,550/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,489
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,817
−HK$1,346/mo
Today · 4.125%
HK$52,163
baseline
▲ 0.50% · 4.625%
HK$54,913
+HK$2,750/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,326/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,900
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,514
−HK$1,640/mo
Today · 4.125%
HK$55,154
baseline
▲ 0.50% · 4.625%
HK$58,510
+HK$3,356/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,308/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,738
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,286
−HK$1,571/mo
Today · 4.125%
HK$60,857
baseline
▲ 0.50% · 4.625%
HK$64,065
+HK$3,208/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,714/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,728
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,804
−HK$2,108/mo
Today · 4.125%
HK$70,912
baseline
▲ 0.50% · 4.625%
HK$75,227
+HK$4,315/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,824/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,234
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,225
−HK$2,020/mo
Today · 4.125%
HK$78,245
baseline
▲ 0.50% · 4.625%
HK$82,369
+HK$4,124/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,490/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,654 · Scale 2, in force from 26 Feb 2026)