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$37,093
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,247
−HK$1,172/mo
Today · 4.125%
HK$39,419
baseline
▲ 0.50% · 4.625%
HK$41,818
+HK$2,399/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,838/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$610,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,266
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,372
−HK$1,123/mo
Today · 4.125%
HK$43,495
baseline
▲ 0.50% · 4.625%
HK$45,788
+HK$2,293/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,990/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$610,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,512
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,896
−HK$1,407/mo
Today · 4.125%
HK$47,303
baseline
▲ 0.50% · 4.625%
HK$50,181
+HK$2,878/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,606/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,519
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,847
−HK$1,347/mo
Today · 4.125%
HK$52,194
baseline
▲ 0.50% · 4.625%
HK$54,945
+HK$2,751/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,388/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,930
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,546
−HK$1,641/mo
Today · 4.125%
HK$55,187
baseline
▲ 0.50% · 4.625%
HK$58,545
+HK$3,358/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,374/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,772
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,321
−HK$1,572/mo
Today · 4.125%
HK$60,893
baseline
▲ 0.50% · 4.625%
HK$64,103
+HK$3,210/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,786/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,767
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,844
−HK$2,110/mo
Today · 4.125%
HK$70,954
baseline
▲ 0.50% · 4.625%
HK$75,272
+HK$4,318/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,908/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,278
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,270
−HK$2,021/mo
Today · 4.125%
HK$78,291
baseline
▲ 0.50% · 4.625%
HK$82,418
+HK$4,127/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,582/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,014 · Scale 2, in force from 26 Feb 2026)