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$37,031
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,183
−HK$1,170/mo
Today · 4.125%
HK$39,353
baseline
▲ 0.50% · 4.625%
HK$41,747
+HK$2,394/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,706/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,196
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,301
−HK$1,121/mo
Today · 4.125%
HK$43,422
baseline
▲ 0.50% · 4.625%
HK$45,711
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,844/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,437
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,819
−HK$1,404/mo
Today · 4.125%
HK$47,223
baseline
▲ 0.50% · 4.625%
HK$50,097
+HK$2,874/mo
Deposit HK$6.50M · loan HK$9.74M · min. income ≈ HK$94,446/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,436
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,761
−HK$1,345/mo
Today · 4.125%
HK$52,106
baseline
▲ 0.50% · 4.625%
HK$54,853
+HK$2,747/mo
Deposit HK$6.50M · loan HK$9.74M · min. income ≈ HK$104,212/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,843
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,456
−HK$1,638/mo
Today · 4.125%
HK$55,094
baseline
▲ 0.50% · 4.625%
HK$58,446
+HK$3,352/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,188/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,675
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,222
−HK$1,569/mo
Today · 4.125%
HK$60,791
baseline
▲ 0.50% · 4.625%
HK$63,995
+HK$3,204/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,582/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,655
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,729
−HK$2,106/mo
Today · 4.125%
HK$70,835
baseline
▲ 0.50% · 4.625%
HK$75,145
+HK$4,310/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,670/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,153
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,142
−HK$2,018/mo
Today · 4.125%
HK$78,160
baseline
▲ 0.50% · 4.625%
HK$82,280
+HK$4,120/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,320/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,990 · Scale 2, in force from 26 Feb 2026)