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$37,138
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,293
−HK$1,174/mo
Today · 4.125%
HK$39,467
baseline
▲ 0.50% · 4.625%
HK$41,868
+HK$2,401/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,934/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,316
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,424
−HK$1,124/mo
Today · 4.125%
HK$43,548
baseline
▲ 0.50% · 4.625%
HK$45,843
+HK$2,295/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,096/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,566
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,952
−HK$1,408/mo
Today · 4.125%
HK$47,360
baseline
▲ 0.50% · 4.625%
HK$50,242
+HK$2,882/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,720/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,579
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,908
−HK$1,349/mo
Today · 4.125%
HK$52,257
baseline
▲ 0.50% · 4.625%
HK$55,012
+HK$2,755/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,514/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,993
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,610
−HK$1,644/mo
Today · 4.125%
HK$55,254
baseline
▲ 0.50% · 4.625%
HK$58,616
+HK$3,362/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,508/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,842
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,393
−HK$1,574/mo
Today · 4.125%
HK$60,967
baseline
▲ 0.50% · 4.625%
HK$64,180
+HK$3,213/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,934/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,848
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,928
−HK$2,112/mo
Today · 4.125%
HK$71,040
baseline
▲ 0.50% · 4.625%
HK$75,363
+HK$4,323/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,080/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,368
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,363
−HK$2,023/mo
Today · 4.125%
HK$78,386
baseline
▲ 0.50% · 4.625%
HK$82,518
+HK$4,132/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,772/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,753 · Scale 2, in force from 26 Feb 2026)