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$37,080
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,233
−HK$1,172/mo
Today · 4.125%
HK$39,405
baseline
▲ 0.50% · 4.625%
HK$41,803
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,810/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,251
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,357
−HK$1,122/mo
Today · 4.125%
HK$43,479
baseline
▲ 0.50% · 4.625%
HK$45,771
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,958/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,496
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,880
−HK$1,406/mo
Today · 4.125%
HK$47,286
baseline
▲ 0.50% · 4.625%
HK$50,163
+HK$2,877/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$94,572/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,501
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,828
−HK$1,347/mo
Today · 4.125%
HK$52,175
baseline
▲ 0.50% · 4.625%
HK$54,925
+HK$2,750/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$104,350/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,912
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,526
−HK$1,641/mo
Today · 4.125%
HK$55,167
baseline
▲ 0.50% · 4.625%
HK$58,524
+HK$3,357/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,334/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,751
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,300
−HK$1,571/mo
Today · 4.125%
HK$60,871
baseline
▲ 0.50% · 4.625%
HK$64,080
+HK$3,209/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,742/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,743
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,819
−HK$2,110/mo
Today · 4.125%
HK$70,929
baseline
▲ 0.50% · 4.625%
HK$75,245
+HK$4,316/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,858/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,251
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,243
−HK$2,020/mo
Today · 4.125%
HK$78,263
baseline
▲ 0.50% · 4.625%
HK$82,388
+HK$4,125/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,526/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,795 · Scale 2, in force from 26 Feb 2026)