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$37,118
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,273
−HK$1,173/mo
Today · 4.125%
HK$39,446
baseline
▲ 0.50% · 4.625%
HK$41,846
+HK$2,400/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,892/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,294
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,401
−HK$1,124/mo
Today · 4.125%
HK$43,525
baseline
▲ 0.50% · 4.625%
HK$45,819
+HK$2,294/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,050/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,542
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,927
−HK$1,408/mo
Today · 4.125%
HK$47,335
baseline
▲ 0.50% · 4.625%
HK$50,215
+HK$2,880/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,670/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,552
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,881
−HK$1,349/mo
Today · 4.125%
HK$52,230
baseline
▲ 0.50% · 4.625%
HK$54,983
+HK$2,753/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,460/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,966
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,582
−HK$1,642/mo
Today · 4.125%
HK$55,224
baseline
▲ 0.50% · 4.625%
HK$58,584
+HK$3,360/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,448/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,811
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,362
−HK$1,572/mo
Today · 4.125%
HK$60,934
baseline
▲ 0.50% · 4.625%
HK$64,146
+HK$3,212/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,868/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,813
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,891
−HK$2,112/mo
Today · 4.125%
HK$71,003
baseline
▲ 0.50% · 4.625%
HK$75,323
+HK$4,320/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$142,006/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,329
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,322
−HK$2,022/mo
Today · 4.125%
HK$78,344
baseline
▲ 0.50% · 4.625%
HK$82,474
+HK$4,130/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,688/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,429 · Scale 2, in force from 26 Feb 2026)