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$37,151
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,306
−HK$1,174/mo
Today · 4.125%
HK$39,480
baseline
▲ 0.50% · 4.625%
HK$41,883
+HK$2,403/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,960/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,330
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,438
−HK$1,125/mo
Today · 4.125%
HK$43,563
baseline
▲ 0.50% · 4.625%
HK$45,859
+HK$2,296/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,126/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,581
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,968
−HK$1,409/mo
Today · 4.125%
HK$47,377
baseline
▲ 0.50% · 4.625%
HK$50,259
+HK$2,882/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,754/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,596
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,926
−HK$1,349/mo
Today · 4.125%
HK$52,275
baseline
▲ 0.50% · 4.625%
HK$55,031
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,550/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,011
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,629
−HK$1,644/mo
Today · 4.125%
HK$55,273
baseline
▲ 0.50% · 4.625%
HK$58,636
+HK$3,363/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,546/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,862
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,414
−HK$1,574/mo
Today · 4.125%
HK$60,988
baseline
▲ 0.50% · 4.625%
HK$64,203
+HK$3,215/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,976/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,871
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,951
−HK$2,114/mo
Today · 4.125%
HK$71,065
baseline
▲ 0.50% · 4.625%
HK$75,389
+HK$4,324/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,130/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,394
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,389
−HK$2,024/mo
Today · 4.125%
HK$78,413
baseline
▲ 0.50% · 4.625%
HK$82,546
+HK$4,133/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,826/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,964 · Scale 2, in force from 26 Feb 2026)