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$37,073
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,227
−HK$1,171/mo
Today · 4.125%
HK$39,398
baseline
▲ 0.50% · 4.625%
HK$41,796
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,796/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,244
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,350
−HK$1,122/mo
Today · 4.125%
HK$43,472
baseline
▲ 0.50% · 4.625%
HK$45,764
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,944/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,488
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,872
−HK$1,406/mo
Today · 4.125%
HK$47,278
baseline
▲ 0.50% · 4.625%
HK$50,155
+HK$2,877/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$94,556/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,493
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,820
−HK$1,347/mo
Today · 4.125%
HK$52,167
baseline
▲ 0.50% · 4.625%
HK$54,916
+HK$2,749/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$104,334/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,903
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,517
−HK$1,641/mo
Today · 4.125%
HK$55,158
baseline
▲ 0.50% · 4.625%
HK$58,514
+HK$3,356/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,316/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,741
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,290
−HK$1,571/mo
Today · 4.125%
HK$60,861
baseline
▲ 0.50% · 4.625%
HK$64,069
+HK$3,208/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,722/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,732
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,808
−HK$2,109/mo
Today · 4.125%
HK$70,917
baseline
▲ 0.50% · 4.625%
HK$75,232
+HK$4,315/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,834/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,239
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,230
−HK$2,020/mo
Today · 4.125%
HK$78,250
baseline
▲ 0.50% · 4.625%
HK$82,374
+HK$4,124/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,500/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,692 · Scale 2, in force from 26 Feb 2026)