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$37,084
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,238
−HK$1,172/mo
Today · 4.125%
HK$39,410
baseline
▲ 0.50% · 4.625%
HK$41,808
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,820/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,256
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,362
−HK$1,123/mo
Today · 4.125%
HK$43,485
baseline
▲ 0.50% · 4.625%
HK$45,777
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,970/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,501
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,885
−HK$1,407/mo
Today · 4.125%
HK$47,292
baseline
▲ 0.50% · 4.625%
HK$50,169
+HK$2,877/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,584/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,507
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,835
−HK$1,347/mo
Today · 4.125%
HK$52,182
baseline
▲ 0.50% · 4.625%
HK$54,932
+HK$2,750/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,364/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,918
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,533
−HK$1,641/mo
Today · 4.125%
HK$55,174
baseline
▲ 0.50% · 4.625%
HK$58,531
+HK$3,357/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,348/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,758
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,307
−HK$1,572/mo
Today · 4.125%
HK$60,879
baseline
▲ 0.50% · 4.625%
HK$64,088
+HK$3,209/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,758/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,752
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,828
−HK$2,109/mo
Today · 4.125%
HK$70,937
baseline
▲ 0.50% · 4.625%
HK$75,254
+HK$4,317/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,874/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,260
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,252
−HK$2,020/mo
Today · 4.125%
HK$78,272
baseline
▲ 0.50% · 4.625%
HK$82,398
+HK$4,126/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,544/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,869 · Scale 2, in force from 26 Feb 2026)