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$37,081
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,234
−HK$1,172/mo
Today · 4.125%
HK$39,406
baseline
▲ 0.50% · 4.625%
HK$41,804
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,812/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,252
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,359
−HK$1,122/mo
Today · 4.125%
HK$43,481
baseline
▲ 0.50% · 4.625%
HK$45,773
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,962/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,497
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,881
−HK$1,406/mo
Today · 4.125%
HK$47,287
baseline
▲ 0.50% · 4.625%
HK$50,165
+HK$2,878/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$94,574/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,503
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,830
−HK$1,347/mo
Today · 4.125%
HK$52,177
baseline
▲ 0.50% · 4.625%
HK$54,927
+HK$2,750/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$104,354/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,913
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,528
−HK$1,641/mo
Today · 4.125%
HK$55,169
baseline
▲ 0.50% · 4.625%
HK$58,526
+HK$3,357/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,338/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,753
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,302
−HK$1,571/mo
Today · 4.125%
HK$60,873
baseline
▲ 0.50% · 4.625%
HK$64,082
+HK$3,209/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,746/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,746
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,822
−HK$2,109/mo
Today · 4.125%
HK$70,931
baseline
▲ 0.50% · 4.625%
HK$75,247
+HK$4,316/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,862/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,254
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,245
−HK$2,021/mo
Today · 4.125%
HK$78,266
baseline
▲ 0.50% · 4.625%
HK$82,391
+HK$4,125/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,532/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,815 · Scale 2, in force from 26 Feb 2026)