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$37,051
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,203
−HK$1,171/mo
Today · 4.125%
HK$39,374
baseline
▲ 0.50% · 4.625%
HK$41,770
+HK$2,396/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,748/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,219
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,324
−HK$1,121/mo
Today · 4.125%
HK$43,445
baseline
▲ 0.50% · 4.625%
HK$45,736
+HK$2,291/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,890/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,461
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,844
−HK$1,405/mo
Today · 4.125%
HK$47,249
baseline
▲ 0.50% · 4.625%
HK$50,124
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,498/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,462
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,789
−HK$1,346/mo
Today · 4.125%
HK$52,135
baseline
▲ 0.50% · 4.625%
HK$54,883
+HK$2,748/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,270/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,871
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,485
−HK$1,639/mo
Today · 4.125%
HK$55,124
baseline
▲ 0.50% · 4.625%
HK$58,478
+HK$3,354/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,248/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,706
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,254
−HK$1,570/mo
Today · 4.125%
HK$60,824
baseline
▲ 0.50% · 4.625%
HK$64,030
+HK$3,206/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,648/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,691
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,766
−HK$2,107/mo
Today · 4.125%
HK$70,873
baseline
▲ 0.50% · 4.625%
HK$75,186
+HK$4,313/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,746/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,193
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,183
−HK$2,019/mo
Today · 4.125%
HK$78,202
baseline
▲ 0.50% · 4.625%
HK$82,324
+HK$4,122/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,404/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,319 · Scale 2, in force from 26 Feb 2026)