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$37,042
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,194
−HK$1,171/mo
Today · 4.125%
HK$39,365
baseline
▲ 0.50% · 4.625%
HK$41,760
+HK$2,395/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,730/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,208
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,314
−HK$1,121/mo
Today · 4.125%
HK$43,435
baseline
▲ 0.50% · 4.625%
HK$45,724
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,870/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,450
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,833
−HK$1,404/mo
Today · 4.125%
HK$47,237
baseline
▲ 0.50% · 4.625%
HK$50,112
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,474/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,450
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,776
−HK$1,346/mo
Today · 4.125%
HK$52,122
baseline
▲ 0.50% · 4.625%
HK$54,869
+HK$2,747/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,244/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,858
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,471
−HK$1,639/mo
Today · 4.125%
HK$55,110
baseline
▲ 0.50% · 4.625%
HK$58,464
+HK$3,354/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,220/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,692
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,239
−HK$1,570/mo
Today · 4.125%
HK$60,809
baseline
▲ 0.50% · 4.625%
HK$64,014
+HK$3,205/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,618/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,675
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,749
−HK$2,107/mo
Today · 4.125%
HK$70,856
baseline
▲ 0.50% · 4.625%
HK$75,168
+HK$4,312/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,712/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,175
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,165
−HK$2,018/mo
Today · 4.125%
HK$78,183
baseline
▲ 0.50% · 4.625%
HK$82,304
+HK$4,121/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,366/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,170 · Scale 2, in force from 26 Feb 2026)