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$37,030
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,182
−HK$1,170/mo
Today · 4.125%
HK$39,352
baseline
▲ 0.50% · 4.625%
HK$41,747
+HK$2,395/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,704/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,196
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,301
−HK$1,120/mo
Today · 4.125%
HK$43,421
baseline
▲ 0.50% · 4.625%
HK$45,710
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,842/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,436
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,819
−HK$1,404/mo
Today · 4.125%
HK$47,223
baseline
▲ 0.50% · 4.625%
HK$50,096
+HK$2,873/mo
Deposit HK$6.50M · loan HK$9.74M · min. income ≈ HK$94,446/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,435
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,761
−HK$1,345/mo
Today · 4.125%
HK$52,106
baseline
▲ 0.50% · 4.625%
HK$54,852
+HK$2,746/mo
Deposit HK$6.50M · loan HK$9.74M · min. income ≈ HK$104,212/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,842
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,455
−HK$1,638/mo
Today · 4.125%
HK$55,093
baseline
▲ 0.50% · 4.625%
HK$58,446
+HK$3,353/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,186/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,674
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,221
−HK$1,569/mo
Today · 4.125%
HK$60,790
baseline
▲ 0.50% · 4.625%
HK$63,994
+HK$3,204/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,580/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,655
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,728
−HK$2,106/mo
Today · 4.125%
HK$70,834
baseline
▲ 0.50% · 4.625%
HK$75,144
+HK$4,310/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,668/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,152
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,141
−HK$2,018/mo
Today · 4.125%
HK$78,159
baseline
▲ 0.50% · 4.625%
HK$82,279
+HK$4,120/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,318/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,983 · Scale 2, in force from 26 Feb 2026)