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$37,133
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,288
−HK$1,174/mo
Today · 4.125%
HK$39,462
baseline
▲ 0.50% · 4.625%
HK$41,863
+HK$2,401/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,924/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,310
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,418
−HK$1,124/mo
Today · 4.125%
HK$43,542
baseline
▲ 0.50% · 4.625%
HK$45,837
+HK$2,295/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,084/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,560
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,946
−HK$1,408/mo
Today · 4.125%
HK$47,354
baseline
▲ 0.50% · 4.625%
HK$50,236
+HK$2,882/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,708/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,572
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,902
−HK$1,349/mo
Today · 4.125%
HK$52,251
baseline
▲ 0.50% · 4.625%
HK$55,005
+HK$2,754/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,502/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,987
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,604
−HK$1,643/mo
Today · 4.125%
HK$55,247
baseline
▲ 0.50% · 4.625%
HK$58,608
+HK$3,361/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,494/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,834
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,386
−HK$1,573/mo
Today · 4.125%
HK$60,959
baseline
▲ 0.50% · 4.625%
HK$64,172
+HK$3,213/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,918/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,840
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,919
−HK$2,112/mo
Today · 4.125%
HK$71,031
baseline
▲ 0.50% · 4.625%
HK$75,353
+HK$4,322/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,062/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,359
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,353
−HK$2,023/mo
Today · 4.125%
HK$78,376
baseline
▲ 0.50% · 4.625%
HK$82,507
+HK$4,131/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,752/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,676 · Scale 2, in force from 26 Feb 2026)