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$37,101
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,255
−HK$1,173/mo
Today · 4.125%
HK$39,428
baseline
▲ 0.50% · 4.625%
HK$41,827
+HK$2,399/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,856/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,275
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,382
−HK$1,123/mo
Today · 4.125%
HK$43,505
baseline
▲ 0.50% · 4.625%
HK$45,798
+HK$2,293/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,010/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,521
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,906
−HK$1,407/mo
Today · 4.125%
HK$47,313
baseline
▲ 0.50% · 4.625%
HK$50,192
+HK$2,879/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,626/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,530
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,858
−HK$1,347/mo
Today · 4.125%
HK$52,205
baseline
▲ 0.50% · 4.625%
HK$54,957
+HK$2,752/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,410/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,942
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,557
−HK$1,642/mo
Today · 4.125%
HK$55,199
baseline
▲ 0.50% · 4.625%
HK$58,557
+HK$3,358/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,398/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,784
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,334
−HK$1,572/mo
Today · 4.125%
HK$60,906
baseline
▲ 0.50% · 4.625%
HK$64,117
+HK$3,211/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,812/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,782
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,859
−HK$2,111/mo
Today · 4.125%
HK$70,970
baseline
▲ 0.50% · 4.625%
HK$75,288
+HK$4,318/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,940/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,294
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,287
−HK$2,021/mo
Today · 4.125%
HK$78,308
baseline
▲ 0.50% · 4.625%
HK$82,436
+HK$4,128/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,616/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,147 · Scale 2, in force from 26 Feb 2026)