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$37,045
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,197
−HK$1,171/mo
Today · 4.125%
HK$39,368
baseline
▲ 0.50% · 4.625%
HK$41,763
+HK$2,395/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,736/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,212
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,317
−HK$1,121/mo
Today · 4.125%
HK$43,438
baseline
▲ 0.50% · 4.625%
HK$45,728
+HK$2,290/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,876/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,454
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,836
−HK$1,405/mo
Today · 4.125%
HK$47,241
baseline
▲ 0.50% · 4.625%
HK$50,116
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,482/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,454
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,781
−HK$1,345/mo
Today · 4.125%
HK$52,126
baseline
▲ 0.50% · 4.625%
HK$54,874
+HK$2,748/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,252/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,863
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,476
−HK$1,639/mo
Today · 4.125%
HK$55,115
baseline
▲ 0.50% · 4.625%
HK$58,468
+HK$3,353/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,230/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,697
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,244
−HK$1,570/mo
Today · 4.125%
HK$60,814
baseline
▲ 0.50% · 4.625%
HK$64,019
+HK$3,205/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,628/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,680
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,755
−HK$2,107/mo
Today · 4.125%
HK$70,862
baseline
▲ 0.50% · 4.625%
HK$75,174
+HK$4,312/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,724/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,181
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,171
−HK$2,018/mo
Today · 4.125%
HK$78,189
baseline
▲ 0.50% · 4.625%
HK$82,311
+HK$4,122/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,378/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,220 · Scale 2, in force from 26 Feb 2026)