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$37,033
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,185
−HK$1,170/mo
Today · 4.125%
HK$39,355
baseline
▲ 0.50% · 4.625%
HK$41,750
+HK$2,395/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$609,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,199
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,304
−HK$1,121/mo
Today · 4.125%
HK$43,425
baseline
▲ 0.50% · 4.625%
HK$45,714
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,850/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,440
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,822
−HK$1,404/mo
Today · 4.125%
HK$47,226
baseline
▲ 0.50% · 4.625%
HK$50,100
+HK$2,874/mo
Deposit HK$6.50M · loan HK$9.74M · min. income ≈ HK$94,452/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,439
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,764
−HK$1,346/mo
Today · 4.125%
HK$52,110
baseline
▲ 0.50% · 4.625%
HK$54,856
+HK$2,746/mo
Deposit HK$6.50M · loan HK$9.74M · min. income ≈ HK$104,220/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,846
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,459
−HK$1,638/mo
Today · 4.125%
HK$55,097
baseline
▲ 0.50% · 4.625%
HK$58,450
+HK$3,353/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,194/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,678
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,225
−HK$1,569/mo
Today · 4.125%
HK$60,794
baseline
▲ 0.50% · 4.625%
HK$63,999
+HK$3,205/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,588/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,659
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,733
−HK$2,106/mo
Today · 4.125%
HK$70,839
baseline
▲ 0.50% · 4.625%
HK$75,150
+HK$4,311/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,678/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,158
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,147
−HK$2,017/mo
Today · 4.125%
HK$78,164
baseline
▲ 0.50% · 4.625%
HK$82,284
+HK$4,120/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,328/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,026 · Scale 2, in force from 26 Feb 2026)