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$37,032
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,184
−HK$1,171/mo
Today · 4.125%
HK$39,355
baseline
▲ 0.50% · 4.625%
HK$41,749
+HK$2,394/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,710/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,198
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,303
−HK$1,121/mo
Today · 4.125%
HK$43,424
baseline
▲ 0.50% · 4.625%
HK$45,713
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,848/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,439
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,821
−HK$1,404/mo
Today · 4.125%
HK$47,225
baseline
▲ 0.50% · 4.625%
HK$50,099
+HK$2,874/mo
Deposit HK$6.50M · loan HK$9.74M · min. income ≈ HK$94,450/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,438
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,764
−HK$1,345/mo
Today · 4.125%
HK$52,109
baseline
▲ 0.50% · 4.625%
HK$54,855
+HK$2,746/mo
Deposit HK$6.50M · loan HK$9.74M · min. income ≈ HK$104,218/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,845
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,458
−HK$1,638/mo
Today · 4.125%
HK$55,096
baseline
▲ 0.50% · 4.625%
HK$58,449
+HK$3,353/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,192/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,677
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,224
−HK$1,569/mo
Today · 4.125%
HK$60,793
baseline
▲ 0.50% · 4.625%
HK$63,998
+HK$3,205/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,586/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,658
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,732
−HK$2,106/mo
Today · 4.125%
HK$70,838
baseline
▲ 0.50% · 4.625%
HK$75,148
+HK$4,310/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,676/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,156
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,145
−HK$2,018/mo
Today · 4.125%
HK$78,163
baseline
▲ 0.50% · 4.625%
HK$82,283
+HK$4,120/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,326/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,015 · Scale 2, in force from 26 Feb 2026)