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$37,106
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,261
−HK$1,172/mo
Today · 4.125%
HK$39,433
baseline
▲ 0.50% · 4.625%
HK$41,833
+HK$2,400/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,866/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,280
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,388
−HK$1,123/mo
Today · 4.125%
HK$43,511
baseline
▲ 0.50% · 4.625%
HK$45,804
+HK$2,293/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,022/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,528
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,913
−HK$1,407/mo
Today · 4.125%
HK$47,320
baseline
▲ 0.50% · 4.625%
HK$50,199
+HK$2,879/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,640/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,537
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,865
−HK$1,348/mo
Today · 4.125%
HK$52,213
baseline
▲ 0.50% · 4.625%
HK$54,965
+HK$2,752/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,426/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,949
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,565
−HK$1,642/mo
Today · 4.125%
HK$55,207
baseline
▲ 0.50% · 4.625%
HK$58,566
+HK$3,359/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,414/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,793
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,343
−HK$1,572/mo
Today · 4.125%
HK$60,915
baseline
▲ 0.50% · 4.625%
HK$64,126
+HK$3,211/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,830/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,791
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,869
−HK$2,111/mo
Today · 4.125%
HK$70,980
baseline
▲ 0.50% · 4.625%
HK$75,299
+HK$4,319/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$141,960/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,305
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,298
−HK$2,021/mo
Today · 4.125%
HK$78,319
baseline
▲ 0.50% · 4.625%
HK$82,448
+HK$4,129/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,638/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,233 · Scale 2, in force from 26 Feb 2026)