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$37,112
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,266
−HK$1,173/mo
Today · 4.125%
HK$39,439
baseline
▲ 0.50% · 4.625%
HK$41,839
+HK$2,400/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,878/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,287
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,394
−HK$1,123/mo
Today · 4.125%
HK$43,517
baseline
▲ 0.50% · 4.625%
HK$45,811
+HK$2,294/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,034/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,534
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,920
−HK$1,407/mo
Today · 4.125%
HK$47,327
baseline
▲ 0.50% · 4.625%
HK$50,207
+HK$2,880/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,654/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,544
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,873
−HK$1,348/mo
Today · 4.125%
HK$52,221
baseline
▲ 0.50% · 4.625%
HK$54,973
+HK$2,752/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,442/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,957
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,573
−HK$1,642/mo
Today · 4.125%
HK$55,215
baseline
▲ 0.50% · 4.625%
HK$58,574
+HK$3,359/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,430/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,801
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,351
−HK$1,573/mo
Today · 4.125%
HK$60,924
baseline
▲ 0.50% · 4.625%
HK$64,135
+HK$3,211/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,848/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,801
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,879
−HK$2,111/mo
Today · 4.125%
HK$70,990
baseline
▲ 0.50% · 4.625%
HK$75,310
+HK$4,320/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$141,980/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,316
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,309
−HK$2,022/mo
Today · 4.125%
HK$78,331
baseline
▲ 0.50% · 4.625%
HK$82,460
+HK$4,129/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,662/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,325 · Scale 2, in force from 26 Feb 2026)