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$37,082
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,235
−HK$1,172/mo
Today · 4.125%
HK$39,407
baseline
▲ 0.50% · 4.625%
HK$41,805
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,814/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,253
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,359
−HK$1,123/mo
Today · 4.125%
HK$43,482
baseline
▲ 0.50% · 4.625%
HK$45,774
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,964/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,498
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,882
−HK$1,406/mo
Today · 4.125%
HK$47,288
baseline
▲ 0.50% · 4.625%
HK$50,166
+HK$2,878/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$94,576/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,503
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,831
−HK$1,347/mo
Today · 4.125%
HK$52,178
baseline
▲ 0.50% · 4.625%
HK$54,928
+HK$2,750/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$104,356/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,914
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,529
−HK$1,641/mo
Today · 4.125%
HK$55,170
baseline
▲ 0.50% · 4.625%
HK$58,527
+HK$3,357/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,340/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,754
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,303
−HK$1,571/mo
Today · 4.125%
HK$60,874
baseline
▲ 0.50% · 4.625%
HK$64,083
+HK$3,209/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,748/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,747
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,823
−HK$2,109/mo
Today · 4.125%
HK$70,932
baseline
▲ 0.50% · 4.625%
HK$75,248
+HK$4,316/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,864/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,255
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,247
−HK$2,020/mo
Today · 4.125%
HK$78,267
baseline
▲ 0.50% · 4.625%
HK$82,392
+HK$4,125/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,534/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,825 · Scale 2, in force from 26 Feb 2026)