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$37,051
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,204
−HK$1,171/mo
Today · 4.125%
HK$39,375
baseline
▲ 0.50% · 4.625%
HK$41,771
+HK$2,396/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,750/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,219
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,325
−HK$1,121/mo
Today · 4.125%
HK$43,446
baseline
▲ 0.50% · 4.625%
HK$45,736
+HK$2,290/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,892/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,462
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,845
−HK$1,405/mo
Today · 4.125%
HK$47,250
baseline
▲ 0.50% · 4.625%
HK$50,125
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,500/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,463
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,790
−HK$1,346/mo
Today · 4.125%
HK$52,136
baseline
▲ 0.50% · 4.625%
HK$54,884
+HK$2,748/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,272/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,872
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,486
−HK$1,639/mo
Today · 4.125%
HK$55,125
baseline
▲ 0.50% · 4.625%
HK$58,479
+HK$3,354/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,250/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,707
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,255
−HK$1,570/mo
Today · 4.125%
HK$60,825
baseline
▲ 0.50% · 4.625%
HK$64,031
+HK$3,206/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,650/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,693
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,767
−HK$2,108/mo
Today · 4.125%
HK$70,875
baseline
▲ 0.50% · 4.625%
HK$75,187
+HK$4,312/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,750/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,195
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,185
−HK$2,018/mo
Today · 4.125%
HK$78,203
baseline
▲ 0.50% · 4.625%
HK$82,326
+HK$4,123/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,406/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,331 · Scale 2, in force from 26 Feb 2026)