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$37,142
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,297
−HK$1,174/mo
Today · 4.125%
HK$39,471
baseline
▲ 0.50% · 4.625%
HK$41,873
+HK$2,402/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,942/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,320
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,428
−HK$1,124/mo
Today · 4.125%
HK$43,552
baseline
▲ 0.50% · 4.625%
HK$45,848
+HK$2,296/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,104/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,570
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,957
−HK$1,408/mo
Today · 4.125%
HK$47,365
baseline
▲ 0.50% · 4.625%
HK$50,247
+HK$2,882/mo
Deposit HK$6.52M · loan HK$9.77M · min. income ≈ HK$94,730/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,584
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,914
−HK$1,349/mo
Today · 4.125%
HK$52,263
baseline
▲ 0.50% · 4.625%
HK$55,018
+HK$2,755/mo
Deposit HK$6.52M · loan HK$9.77M · min. income ≈ HK$104,526/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,999
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,616
−HK$1,643/mo
Today · 4.125%
HK$55,259
baseline
▲ 0.50% · 4.625%
HK$58,622
+HK$3,363/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,518/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,848
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,399
−HK$1,574/mo
Today · 4.125%
HK$60,973
baseline
▲ 0.50% · 4.625%
HK$64,187
+HK$3,214/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,946/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,855
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,935
−HK$2,113/mo
Today · 4.125%
HK$71,048
baseline
▲ 0.50% · 4.625%
HK$75,371
+HK$4,323/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,096/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,376
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,371
−HK$2,023/mo
Today · 4.125%
HK$78,394
baseline
▲ 0.50% · 4.625%
HK$82,526
+HK$4,132/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,788/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,817 · Scale 2, in force from 26 Feb 2026)