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$37,028
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,180
−HK$1,170/mo
Today · 4.125%
HK$39,350
baseline
▲ 0.50% · 4.625%
HK$41,744
+HK$2,394/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,700/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,193
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,298
−HK$1,121/mo
Today · 4.125%
HK$43,419
baseline
▲ 0.50% · 4.625%
HK$45,707
+HK$2,288/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,838/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,433
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,816
−HK$1,404/mo
Today · 4.125%
HK$47,220
baseline
▲ 0.50% · 4.625%
HK$50,093
+HK$2,873/mo
Deposit HK$6.50M · loan HK$9.74M · min. income ≈ HK$94,440/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,432
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,757
−HK$1,345/mo
Today · 4.125%
HK$52,102
baseline
▲ 0.50% · 4.625%
HK$54,849
+HK$2,747/mo
Deposit HK$6.50M · loan HK$9.74M · min. income ≈ HK$104,204/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,839
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,451
−HK$1,639/mo
Today · 4.125%
HK$55,090
baseline
▲ 0.50% · 4.625%
HK$58,442
+HK$3,352/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,180/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,670
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,217
−HK$1,569/mo
Today · 4.125%
HK$60,786
baseline
▲ 0.50% · 4.625%
HK$63,990
+HK$3,204/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,572/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,650
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,723
−HK$2,107/mo
Today · 4.125%
HK$70,830
baseline
▲ 0.50% · 4.625%
HK$75,139
+HK$4,309/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,660/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,148
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,136
−HK$2,017/mo
Today · 4.125%
HK$78,153
baseline
▲ 0.50% · 4.625%
HK$82,273
+HK$4,120/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,306/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,942 · Scale 2, in force from 26 Feb 2026)