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$37,117
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,272
−HK$1,173/mo
Today · 4.125%
HK$39,445
baseline
▲ 0.50% · 4.625%
HK$41,845
+HK$2,400/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,890/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,293
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,400
−HK$1,124/mo
Today · 4.125%
HK$43,524
baseline
▲ 0.50% · 4.625%
HK$45,818
+HK$2,294/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,048/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,541
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,926
−HK$1,408/mo
Today · 4.125%
HK$47,334
baseline
▲ 0.50% · 4.625%
HK$50,214
+HK$2,880/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,668/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,551
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,880
−HK$1,348/mo
Today · 4.125%
HK$52,228
baseline
▲ 0.50% · 4.625%
HK$54,981
+HK$2,753/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,456/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,964
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,581
−HK$1,642/mo
Today · 4.125%
HK$55,223
baseline
▲ 0.50% · 4.625%
HK$58,583
+HK$3,360/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,446/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,810
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,360
−HK$1,573/mo
Today · 4.125%
HK$60,933
baseline
▲ 0.50% · 4.625%
HK$64,145
+HK$3,212/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,866/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,811
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,890
−HK$2,111/mo
Today · 4.125%
HK$71,001
baseline
▲ 0.50% · 4.625%
HK$75,321
+HK$4,320/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$142,002/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,327
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,320
−HK$2,023/mo
Today · 4.125%
HK$78,343
baseline
▲ 0.50% · 4.625%
HK$82,472
+HK$4,129/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,686/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,416 · Scale 2, in force from 26 Feb 2026)