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$37,140
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,296
−HK$1,173/mo
Today · 4.125%
HK$39,469
baseline
▲ 0.50% · 4.625%
HK$41,871
+HK$2,402/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,938/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,318
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,426
−HK$1,124/mo
Today · 4.125%
HK$43,550
baseline
▲ 0.50% · 4.625%
HK$45,846
+HK$2,296/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,100/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,568
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,955
−HK$1,408/mo
Today · 4.125%
HK$47,363
baseline
▲ 0.50% · 4.625%
HK$50,245
+HK$2,882/mo
Deposit HK$6.52M · loan HK$9.77M · min. income ≈ HK$94,726/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,582
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,912
−HK$1,349/mo
Today · 4.125%
HK$52,261
baseline
▲ 0.50% · 4.625%
HK$55,015
+HK$2,754/mo
Deposit HK$6.52M · loan HK$9.77M · min. income ≈ HK$104,522/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,996
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,614
−HK$1,643/mo
Today · 4.125%
HK$55,257
baseline
▲ 0.50% · 4.625%
HK$58,619
+HK$3,362/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,514/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,845
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,397
−HK$1,574/mo
Today · 4.125%
HK$60,971
baseline
▲ 0.50% · 4.625%
HK$64,184
+HK$3,213/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,942/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,852
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,932
−HK$2,113/mo
Today · 4.125%
HK$71,045
baseline
▲ 0.50% · 4.625%
HK$75,368
+HK$4,323/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,090/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,373
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,367
−HK$2,024/mo
Today · 4.125%
HK$78,391
baseline
▲ 0.50% · 4.625%
HK$82,523
+HK$4,132/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,782/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,791 · Scale 2, in force from 26 Feb 2026)