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$37,054
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,207
−HK$1,171/mo
Today · 4.125%
HK$39,378
baseline
▲ 0.50% · 4.625%
HK$41,774
+HK$2,396/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,756/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,223
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,328
−HK$1,122/mo
Today · 4.125%
HK$43,450
baseline
▲ 0.50% · 4.625%
HK$45,740
+HK$2,290/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,900/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,465
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,848
−HK$1,406/mo
Today · 4.125%
HK$47,254
baseline
▲ 0.50% · 4.625%
HK$50,129
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,508/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,467
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,794
−HK$1,346/mo
Today · 4.125%
HK$52,140
baseline
▲ 0.50% · 4.625%
HK$54,888
+HK$2,748/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,280/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,876
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,490
−HK$1,639/mo
Today · 4.125%
HK$55,129
baseline
▲ 0.50% · 4.625%
HK$58,484
+HK$3,355/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,258/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,712
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,259
−HK$1,571/mo
Today · 4.125%
HK$60,830
baseline
▲ 0.50% · 4.625%
HK$64,036
+HK$3,206/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,660/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,698
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,772
−HK$2,108/mo
Today · 4.125%
HK$70,880
baseline
▲ 0.50% · 4.625%
HK$75,193
+HK$4,313/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,760/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,201
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,191
−HK$2,018/mo
Today · 4.125%
HK$78,209
baseline
▲ 0.50% · 4.625%
HK$82,332
+HK$4,123/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,418/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,378 · Scale 2, in force from 26 Feb 2026)