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$37,035
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,187
−HK$1,170/mo
Today · 4.125%
HK$39,357
baseline
▲ 0.50% · 4.625%
HK$41,752
+HK$2,395/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,714/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,201
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,306
−HK$1,121/mo
Today · 4.125%
HK$43,427
baseline
▲ 0.50% · 4.625%
HK$45,716
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,854/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,442
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,824
−HK$1,405/mo
Today · 4.125%
HK$47,229
baseline
▲ 0.50% · 4.625%
HK$50,103
+HK$2,874/mo
Deposit HK$6.50M · loan HK$9.74M · min. income ≈ HK$94,458/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,441
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,767
−HK$1,345/mo
Today · 4.125%
HK$52,112
baseline
▲ 0.50% · 4.625%
HK$54,859
+HK$2,747/mo
Deposit HK$6.50M · loan HK$9.74M · min. income ≈ HK$104,224/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,849
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,462
−HK$1,638/mo
Today · 4.125%
HK$55,100
baseline
▲ 0.50% · 4.625%
HK$58,453
+HK$3,353/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,200/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,681
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,228
−HK$1,570/mo
Today · 4.125%
HK$60,798
baseline
▲ 0.50% · 4.625%
HK$64,003
+HK$3,205/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,596/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,663
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,737
−HK$2,106/mo
Today · 4.125%
HK$70,843
baseline
▲ 0.50% · 4.625%
HK$75,154
+HK$4,311/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,686/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,162
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,151
−HK$2,018/mo
Today · 4.125%
HK$78,169
baseline
▲ 0.50% · 4.625%
HK$82,289
+HK$4,120/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,338/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,060 · Scale 2, in force from 26 Feb 2026)