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$37,107
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,262
−HK$1,172/mo
Today · 4.125%
HK$39,434
baseline
▲ 0.50% · 4.625%
HK$41,834
+HK$2,400/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,868/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,282
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,389
−HK$1,123/mo
Today · 4.125%
HK$43,512
baseline
▲ 0.50% · 4.625%
HK$45,805
+HK$2,293/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,024/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,529
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,914
−HK$1,407/mo
Today · 4.125%
HK$47,321
baseline
▲ 0.50% · 4.625%
HK$50,201
+HK$2,880/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,642/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,538
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,866
−HK$1,348/mo
Today · 4.125%
HK$52,214
baseline
▲ 0.50% · 4.625%
HK$54,967
+HK$2,753/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,428/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,950
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,566
−HK$1,642/mo
Today · 4.125%
HK$55,208
baseline
▲ 0.50% · 4.625%
HK$58,567
+HK$3,359/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,416/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,794
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,344
−HK$1,573/mo
Today · 4.125%
HK$60,917
baseline
▲ 0.50% · 4.625%
HK$64,128
+HK$3,211/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,834/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,793
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,871
−HK$2,111/mo
Today · 4.125%
HK$70,982
baseline
▲ 0.50% · 4.625%
HK$75,301
+HK$4,319/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$141,964/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,307
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,300
−HK$2,021/mo
Today · 4.125%
HK$78,321
baseline
▲ 0.50% · 4.625%
HK$82,450
+HK$4,129/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,642/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,251 · Scale 2, in force from 26 Feb 2026)