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$37,045
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,198
−HK$1,171/mo
Today · 4.125%
HK$39,369
baseline
▲ 0.50% · 4.625%
HK$41,764
+HK$2,395/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,738/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,213
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,318
−HK$1,121/mo
Today · 4.125%
HK$43,439
baseline
▲ 0.50% · 4.625%
HK$45,729
+HK$2,290/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,878/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,455
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,837
−HK$1,405/mo
Today · 4.125%
HK$47,242
baseline
▲ 0.50% · 4.625%
HK$50,117
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,484/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,455
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,782
−HK$1,345/mo
Today · 4.125%
HK$52,127
baseline
▲ 0.50% · 4.625%
HK$54,875
+HK$2,748/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,254/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,864
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,477
−HK$1,639/mo
Today · 4.125%
HK$55,116
baseline
▲ 0.50% · 4.625%
HK$58,470
+HK$3,354/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,232/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,698
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,245
−HK$1,570/mo
Today · 4.125%
HK$60,815
baseline
▲ 0.50% · 4.625%
HK$64,021
+HK$3,206/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,630/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,682
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,756
−HK$2,107/mo
Today · 4.125%
HK$70,863
baseline
▲ 0.50% · 4.625%
HK$75,175
+HK$4,312/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,726/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,183
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,172
−HK$2,019/mo
Today · 4.125%
HK$78,191
baseline
▲ 0.50% · 4.625%
HK$82,312
+HK$4,121/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,382/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,232 · Scale 2, in force from 26 Feb 2026)