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$37,102
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,256
−HK$1,172/mo
Today · 4.125%
HK$39,428
baseline
▲ 0.50% · 4.625%
HK$41,827
+HK$2,399/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,856/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,275
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,382
−HK$1,123/mo
Today · 4.125%
HK$43,505
baseline
▲ 0.50% · 4.625%
HK$45,798
+HK$2,293/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,010/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,522
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,907
−HK$1,407/mo
Today · 4.125%
HK$47,314
baseline
▲ 0.50% · 4.625%
HK$50,193
+HK$2,879/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,628/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,530
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,859
−HK$1,347/mo
Today · 4.125%
HK$52,206
baseline
▲ 0.50% · 4.625%
HK$54,958
+HK$2,752/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,412/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,942
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,558
−HK$1,641/mo
Today · 4.125%
HK$55,199
baseline
▲ 0.50% · 4.625%
HK$58,558
+HK$3,359/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,398/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,785
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,335
−HK$1,572/mo
Today · 4.125%
HK$60,907
baseline
▲ 0.50% · 4.625%
HK$64,118
+HK$3,211/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,814/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,783
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,860
−HK$2,111/mo
Today · 4.125%
HK$70,971
baseline
▲ 0.50% · 4.625%
HK$75,289
+HK$4,318/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,942/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,295
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,288
−HK$2,021/mo
Today · 4.125%
HK$78,309
baseline
▲ 0.50% · 4.625%
HK$82,437
+HK$4,128/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,618/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,155 · Scale 2, in force from 26 Feb 2026)