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$37,061
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,214
−HK$1,171/mo
Today · 4.125%
HK$39,385
baseline
▲ 0.50% · 4.625%
HK$41,782
+HK$2,397/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,770/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,230
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,336
−HK$1,122/mo
Today · 4.125%
HK$43,458
baseline
▲ 0.50% · 4.625%
HK$45,748
+HK$2,290/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,916/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,473
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,857
−HK$1,405/mo
Today · 4.125%
HK$47,262
baseline
▲ 0.50% · 4.625%
HK$50,138
+HK$2,876/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,524/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,476
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,803
−HK$1,346/mo
Today · 4.125%
HK$52,149
baseline
▲ 0.50% · 4.625%
HK$54,898
+HK$2,749/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,298/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,886
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,500
−HK$1,639/mo
Today · 4.125%
HK$55,139
baseline
▲ 0.50% · 4.625%
HK$58,494
+HK$3,355/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,278/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,722
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,270
−HK$1,571/mo
Today · 4.125%
HK$60,841
baseline
▲ 0.50% · 4.625%
HK$64,048
+HK$3,207/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,682/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,710
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,785
−HK$2,108/mo
Today · 4.125%
HK$70,893
baseline
▲ 0.50% · 4.625%
HK$75,207
+HK$4,314/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,786/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,214
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,205
−HK$2,019/mo
Today · 4.125%
HK$78,224
baseline
▲ 0.50% · 4.625%
HK$82,347
+HK$4,123/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,448/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,491 · Scale 2, in force from 26 Feb 2026)