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$37,058
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,210
−HK$1,171/mo
Today · 4.125%
HK$39,381
baseline
▲ 0.50% · 4.625%
HK$41,778
+HK$2,397/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,762/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,226
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,332
−HK$1,121/mo
Today · 4.125%
HK$43,453
baseline
▲ 0.50% · 4.625%
HK$45,744
+HK$2,291/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,906/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,469
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,852
−HK$1,406/mo
Today · 4.125%
HK$47,258
baseline
▲ 0.50% · 4.625%
HK$50,133
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,516/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,471
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,798
−HK$1,346/mo
Today · 4.125%
HK$52,144
baseline
▲ 0.50% · 4.625%
HK$54,893
+HK$2,749/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,288/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,881
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,494
−HK$1,640/mo
Today · 4.125%
HK$55,134
baseline
▲ 0.50% · 4.625%
HK$58,489
+HK$3,355/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,268/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,717
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,264
−HK$1,571/mo
Today · 4.125%
HK$60,835
baseline
▲ 0.50% · 4.625%
HK$64,041
+HK$3,206/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,670/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,704
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,778
−HK$2,108/mo
Today · 4.125%
HK$70,886
baseline
▲ 0.50% · 4.625%
HK$75,200
+HK$4,314/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,772/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,207
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,197
−HK$2,019/mo
Today · 4.125%
HK$78,216
baseline
▲ 0.50% · 4.625%
HK$82,339
+HK$4,123/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,432/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,431 · Scale 2, in force from 26 Feb 2026)