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$37,049
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,201
−HK$1,171/mo
Today · 4.125%
HK$39,372
baseline
▲ 0.50% · 4.625%
HK$41,768
+HK$2,396/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,744/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,217
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,322
−HK$1,121/mo
Today · 4.125%
HK$43,443
baseline
▲ 0.50% · 4.625%
HK$45,733
+HK$2,290/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,886/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,459
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,842
−HK$1,405/mo
Today · 4.125%
HK$47,247
baseline
▲ 0.50% · 4.625%
HK$50,122
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,494/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,460
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,786
−HK$1,346/mo
Today · 4.125%
HK$52,132
baseline
▲ 0.50% · 4.625%
HK$54,880
+HK$2,748/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,264/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,869
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,482
−HK$1,639/mo
Today · 4.125%
HK$55,121
baseline
▲ 0.50% · 4.625%
HK$58,475
+HK$3,354/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,242/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,703
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,251
−HK$1,570/mo
Today · 4.125%
HK$60,821
baseline
▲ 0.50% · 4.625%
HK$64,027
+HK$3,206/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,642/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,688
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,763
−HK$2,107/mo
Today · 4.125%
HK$70,870
baseline
▲ 0.50% · 4.625%
HK$75,182
+HK$4,312/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,740/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,190
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,180
−HK$2,018/mo
Today · 4.125%
HK$78,198
baseline
▲ 0.50% · 4.625%
HK$82,320
+HK$4,122/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,396/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,291 · Scale 2, in force from 26 Feb 2026)