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$37,064
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,216
−HK$1,172/mo
Today · 4.125%
HK$39,388
baseline
▲ 0.50% · 4.625%
HK$41,784
+HK$2,396/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,776/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,233
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,339
−HK$1,122/mo
Today · 4.125%
HK$43,461
baseline
▲ 0.50% · 4.625%
HK$45,751
+HK$2,290/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,922/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,476
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,860
−HK$1,405/mo
Today · 4.125%
HK$47,265
baseline
▲ 0.50% · 4.625%
HK$50,141
+HK$2,876/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,530/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,479
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,806
−HK$1,347/mo
Today · 4.125%
HK$52,153
baseline
▲ 0.50% · 4.625%
HK$54,902
+HK$2,749/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,306/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,889
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,503
−HK$1,640/mo
Today · 4.125%
HK$55,143
baseline
▲ 0.50% · 4.625%
HK$58,498
+HK$3,355/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,286/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,726
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,274
−HK$1,571/mo
Today · 4.125%
HK$60,845
baseline
▲ 0.50% · 4.625%
HK$64,052
+HK$3,207/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,690/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,714
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,790
−HK$2,108/mo
Today · 4.125%
HK$70,898
baseline
▲ 0.50% · 4.625%
HK$75,212
+HK$4,314/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,796/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,219
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,210
−HK$2,019/mo
Today · 4.125%
HK$78,229
baseline
▲ 0.50% · 4.625%
HK$82,352
+HK$4,123/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,458/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,530 · Scale 2, in force from 26 Feb 2026)