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$37,047
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,200
−HK$1,171/mo
Today · 4.125%
HK$39,371
baseline
▲ 0.50% · 4.625%
HK$41,766
+HK$2,395/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,742/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,215
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,320
−HK$1,121/mo
Today · 4.125%
HK$43,441
baseline
▲ 0.50% · 4.625%
HK$45,731
+HK$2,290/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,882/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,457
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,840
−HK$1,405/mo
Today · 4.125%
HK$47,245
baseline
▲ 0.50% · 4.625%
HK$50,119
+HK$2,874/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,490/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,458
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,784
−HK$1,346/mo
Today · 4.125%
HK$52,130
baseline
▲ 0.50% · 4.625%
HK$54,878
+HK$2,748/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,260/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,866
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,480
−HK$1,639/mo
Today · 4.125%
HK$55,119
baseline
▲ 0.50% · 4.625%
HK$58,473
+HK$3,354/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,238/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,701
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,248
−HK$1,570/mo
Today · 4.125%
HK$60,818
baseline
▲ 0.50% · 4.625%
HK$64,024
+HK$3,206/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,636/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,685
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,759
−HK$2,108/mo
Today · 4.125%
HK$70,867
baseline
▲ 0.50% · 4.625%
HK$75,179
+HK$4,312/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,734/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,187
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,176
−HK$2,019/mo
Today · 4.125%
HK$78,195
baseline
▲ 0.50% · 4.625%
HK$82,316
+HK$4,121/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,390/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,263 · Scale 2, in force from 26 Feb 2026)