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$37,037
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,189
−HK$1,170/mo
Today · 4.125%
HK$39,359
baseline
▲ 0.50% · 4.625%
HK$41,754
+HK$2,395/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,718/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,203
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,308
−HK$1,121/mo
Today · 4.125%
HK$43,429
baseline
▲ 0.50% · 4.625%
HK$45,718
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,858/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,444
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,826
−HK$1,405/mo
Today · 4.125%
HK$47,231
baseline
▲ 0.50% · 4.625%
HK$50,105
+HK$2,874/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,462/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,443
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,769
−HK$1,346/mo
Today · 4.125%
HK$52,115
baseline
▲ 0.50% · 4.625%
HK$54,862
+HK$2,747/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,230/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,851
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,464
−HK$1,639/mo
Today · 4.125%
HK$55,103
baseline
▲ 0.50% · 4.625%
HK$58,456
+HK$3,353/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,206/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,684
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,231
−HK$1,569/mo
Today · 4.125%
HK$60,800
baseline
▲ 0.50% · 4.625%
HK$64,005
+HK$3,205/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,600/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,666
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,740
−HK$2,106/mo
Today · 4.125%
HK$70,846
baseline
▲ 0.50% · 4.625%
HK$75,157
+HK$4,311/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,692/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,165
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,154
−HK$2,018/mo
Today · 4.125%
HK$78,172
baseline
▲ 0.50% · 4.625%
HK$82,293
+HK$4,121/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,344/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,087 · Scale 2, in force from 26 Feb 2026)