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$37,072
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,225
−HK$1,172/mo
Today · 4.125%
HK$39,397
baseline
▲ 0.50% · 4.625%
HK$41,794
+HK$2,397/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,794/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,242
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,348
−HK$1,122/mo
Today · 4.125%
HK$43,470
baseline
▲ 0.50% · 4.625%
HK$45,762
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,940/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,486
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,870
−HK$1,406/mo
Today · 4.125%
HK$47,276
baseline
▲ 0.50% · 4.625%
HK$50,153
+HK$2,877/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,552/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,491
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,818
−HK$1,347/mo
Today · 4.125%
HK$52,165
baseline
▲ 0.50% · 4.625%
HK$54,914
+HK$2,749/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,330/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,901
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,515
−HK$1,640/mo
Today · 4.125%
HK$55,155
baseline
▲ 0.50% · 4.625%
HK$58,512
+HK$3,357/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,310/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,739
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,288
−HK$1,571/mo
Today · 4.125%
HK$60,859
baseline
▲ 0.50% · 4.625%
HK$64,067
+HK$3,208/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,718/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,730
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,805
−HK$2,109/mo
Today · 4.125%
HK$70,914
baseline
▲ 0.50% · 4.625%
HK$75,229
+HK$4,315/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,828/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,236
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,227
−HK$2,020/mo
Today · 4.125%
HK$78,247
baseline
▲ 0.50% · 4.625%
HK$82,371
+HK$4,124/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,494/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,669 · Scale 2, in force from 26 Feb 2026)