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$37,090
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,244
−HK$1,172/mo
Today · 4.125%
HK$39,416
baseline
▲ 0.50% · 4.625%
HK$41,814
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,832/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,262
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,369
−HK$1,123/mo
Today · 4.125%
HK$43,492
baseline
▲ 0.50% · 4.625%
HK$45,784
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,984/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,508
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,893
−HK$1,406/mo
Today · 4.125%
HK$47,299
baseline
▲ 0.50% · 4.625%
HK$50,177
+HK$2,878/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,598/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,515
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,843
−HK$1,347/mo
Today · 4.125%
HK$52,190
baseline
▲ 0.50% · 4.625%
HK$54,941
+HK$2,751/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,380/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,926
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,542
−HK$1,641/mo
Today · 4.125%
HK$55,183
baseline
▲ 0.50% · 4.625%
HK$58,540
+HK$3,357/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,366/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,767
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,317
−HK$1,571/mo
Today · 4.125%
HK$60,888
baseline
▲ 0.50% · 4.625%
HK$64,098
+HK$3,210/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,776/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,762
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,839
−HK$2,110/mo
Today · 4.125%
HK$70,949
baseline
▲ 0.50% · 4.625%
HK$75,266
+HK$4,317/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,898/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,272
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,264
−HK$2,021/mo
Today · 4.125%
HK$78,285
baseline
▲ 0.50% · 4.625%
HK$82,412
+HK$4,127/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,570/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,968 · Scale 2, in force from 26 Feb 2026)