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$37,114
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,268
−HK$1,173/mo
Today · 4.125%
HK$39,441
baseline
▲ 0.50% · 4.625%
HK$41,841
+HK$2,400/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,882/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,289
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,396
−HK$1,123/mo
Today · 4.125%
HK$43,519
baseline
▲ 0.50% · 4.625%
HK$45,813
+HK$2,294/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,038/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,536
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,922
−HK$1,407/mo
Today · 4.125%
HK$47,329
baseline
▲ 0.50% · 4.625%
HK$50,209
+HK$2,880/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,658/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,546
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,875
−HK$1,348/mo
Today · 4.125%
HK$52,223
baseline
▲ 0.50% · 4.625%
HK$54,976
+HK$2,753/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,446/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,959
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,575
−HK$1,643/mo
Today · 4.125%
HK$55,218
baseline
▲ 0.50% · 4.625%
HK$58,577
+HK$3,359/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,436/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,804
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,354
−HK$1,573/mo
Today · 4.125%
HK$60,927
baseline
▲ 0.50% · 4.625%
HK$64,139
+HK$3,212/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,854/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,805
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,883
−HK$2,111/mo
Today · 4.125%
HK$70,994
baseline
▲ 0.50% · 4.625%
HK$75,314
+HK$4,320/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$141,988/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,320
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,313
−HK$2,022/mo
Today · 4.125%
HK$78,335
baseline
▲ 0.50% · 4.625%
HK$82,464
+HK$4,129/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,670/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,355 · Scale 2, in force from 26 Feb 2026)