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$37,056
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,209
−HK$1,171/mo
Today · 4.125%
HK$39,380
baseline
▲ 0.50% · 4.625%
HK$41,776
+HK$2,396/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,760/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,225
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,330
−HK$1,122/mo
Today · 4.125%
HK$43,452
baseline
▲ 0.50% · 4.625%
HK$45,743
+HK$2,291/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,904/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,468
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,851
−HK$1,405/mo
Today · 4.125%
HK$47,256
baseline
▲ 0.50% · 4.625%
HK$50,132
+HK$2,876/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,512/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,470
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,797
−HK$1,346/mo
Today · 4.125%
HK$52,143
baseline
▲ 0.50% · 4.625%
HK$54,891
+HK$2,748/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,286/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,879
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,493
−HK$1,639/mo
Today · 4.125%
HK$55,132
baseline
▲ 0.50% · 4.625%
HK$58,487
+HK$3,355/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,264/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,715
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,263
−HK$1,570/mo
Today · 4.125%
HK$60,833
baseline
▲ 0.50% · 4.625%
HK$64,040
+HK$3,207/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,666/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,702
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,776
−HK$2,108/mo
Today · 4.125%
HK$70,884
baseline
▲ 0.50% · 4.625%
HK$75,197
+HK$4,313/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,768/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,205
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,195
−HK$2,019/mo
Today · 4.125%
HK$78,214
baseline
▲ 0.50% · 4.625%
HK$82,337
+HK$4,123/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,428/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,412 · Scale 2, in force from 26 Feb 2026)