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$37,069
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,222
−HK$1,172/mo
Today · 4.125%
HK$39,394
baseline
▲ 0.50% · 4.625%
HK$41,791
+HK$2,397/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,788/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,239
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,345
−HK$1,122/mo
Today · 4.125%
HK$43,467
baseline
▲ 0.50% · 4.625%
HK$45,759
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,934/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,483
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,867
−HK$1,406/mo
Today · 4.125%
HK$47,273
baseline
▲ 0.50% · 4.625%
HK$50,149
+HK$2,876/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,546/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,487
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,814
−HK$1,347/mo
Today · 4.125%
HK$52,161
baseline
▲ 0.50% · 4.625%
HK$54,910
+HK$2,749/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,322/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,897
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,511
−HK$1,641/mo
Today · 4.125%
HK$55,152
baseline
▲ 0.50% · 4.625%
HK$58,507
+HK$3,355/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,304/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,735
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,283
−HK$1,571/mo
Today · 4.125%
HK$60,854
baseline
▲ 0.50% · 4.625%
HK$64,062
+HK$3,208/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,708/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,725
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,800
−HK$2,109/mo
Today · 4.125%
HK$70,909
baseline
▲ 0.50% · 4.625%
HK$75,224
+HK$4,315/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,818/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,231
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,222
−HK$2,019/mo
Today · 4.125%
HK$78,241
baseline
▲ 0.50% · 4.625%
HK$82,365
+HK$4,124/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,482/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,626 · Scale 2, in force from 26 Feb 2026)