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$37,064
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,217
−HK$1,172/mo
Today · 4.125%
HK$39,389
baseline
▲ 0.50% · 4.625%
HK$41,785
+HK$2,396/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,778/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,234
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,340
−HK$1,121/mo
Today · 4.125%
HK$43,461
baseline
▲ 0.50% · 4.625%
HK$45,752
+HK$2,291/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,922/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,477
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,861
−HK$1,405/mo
Today · 4.125%
HK$47,266
baseline
▲ 0.50% · 4.625%
HK$50,142
+HK$2,876/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,532/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,480
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,807
−HK$1,347/mo
Today · 4.125%
HK$52,154
baseline
▲ 0.50% · 4.625%
HK$54,903
+HK$2,749/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,308/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,890
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,504
−HK$1,640/mo
Today · 4.125%
HK$55,144
baseline
▲ 0.50% · 4.625%
HK$58,499
+HK$3,355/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,288/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,727
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,275
−HK$1,571/mo
Today · 4.125%
HK$60,846
baseline
▲ 0.50% · 4.625%
HK$64,053
+HK$3,207/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,692/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,716
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,791
−HK$2,108/mo
Today · 4.125%
HK$70,899
baseline
▲ 0.50% · 4.625%
HK$75,214
+HK$4,315/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,798/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,221
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,211
−HK$2,020/mo
Today · 4.125%
HK$78,231
baseline
▲ 0.50% · 4.625%
HK$82,354
+HK$4,123/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,462/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,543 · Scale 2, in force from 26 Feb 2026)