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$37,115
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,269
−HK$1,173/mo
Today · 4.125%
HK$39,442
baseline
▲ 0.50% · 4.625%
HK$41,842
+HK$2,400/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,884/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,290
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,397
−HK$1,123/mo
Today · 4.125%
HK$43,520
baseline
▲ 0.50% · 4.625%
HK$45,815
+HK$2,295/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,040/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,538
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,923
−HK$1,408/mo
Today · 4.125%
HK$47,331
baseline
▲ 0.50% · 4.625%
HK$50,210
+HK$2,879/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,662/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,548
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,877
−HK$1,348/mo
Today · 4.125%
HK$52,225
baseline
▲ 0.50% · 4.625%
HK$54,977
+HK$2,752/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,450/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,961
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,577
−HK$1,642/mo
Today · 4.125%
HK$55,219
baseline
▲ 0.50% · 4.625%
HK$58,579
+HK$3,360/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,438/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,806
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,356
−HK$1,573/mo
Today · 4.125%
HK$60,929
baseline
▲ 0.50% · 4.625%
HK$64,140
+HK$3,211/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,858/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,806
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,885
−HK$2,111/mo
Today · 4.125%
HK$70,996
baseline
▲ 0.50% · 4.625%
HK$75,316
+HK$4,320/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$141,992/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,322
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,315
−HK$2,022/mo
Today · 4.125%
HK$78,337
baseline
▲ 0.50% · 4.625%
HK$82,466
+HK$4,129/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,674/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,371 · Scale 2, in force from 26 Feb 2026)