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$37,083
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,236
−HK$1,172/mo
Today · 4.125%
HK$39,408
baseline
▲ 0.50% · 4.625%
HK$41,806
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,816/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,254
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,361
−HK$1,122/mo
Today · 4.125%
HK$43,483
baseline
▲ 0.50% · 4.625%
HK$45,775
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,966/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,499
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,884
−HK$1,406/mo
Today · 4.125%
HK$47,290
baseline
▲ 0.50% · 4.625%
HK$50,167
+HK$2,877/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,580/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,505
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,833
−HK$1,347/mo
Today · 4.125%
HK$52,180
baseline
▲ 0.50% · 4.625%
HK$54,930
+HK$2,750/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,360/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,916
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,531
−HK$1,641/mo
Today · 4.125%
HK$55,172
baseline
▲ 0.50% · 4.625%
HK$58,529
+HK$3,357/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,344/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,756
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,305
−HK$1,571/mo
Today · 4.125%
HK$60,876
baseline
▲ 0.50% · 4.625%
HK$64,085
+HK$3,209/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,752/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,749
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,825
−HK$2,110/mo
Today · 4.125%
HK$70,935
baseline
▲ 0.50% · 4.625%
HK$75,251
+HK$4,316/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,870/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,258
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,249
−HK$2,021/mo
Today · 4.125%
HK$78,270
baseline
▲ 0.50% · 4.625%
HK$82,395
+HK$4,125/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,540/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,847 · Scale 2, in force from 26 Feb 2026)