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$37,058
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,210
−HK$1,172/mo
Today · 4.125%
HK$39,382
baseline
▲ 0.50% · 4.625%
HK$41,778
+HK$2,396/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,764/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,226
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,332
−HK$1,122/mo
Today · 4.125%
HK$43,454
baseline
▲ 0.50% · 4.625%
HK$45,744
+HK$2,290/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,908/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,469
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,853
−HK$1,405/mo
Today · 4.125%
HK$47,258
baseline
▲ 0.50% · 4.625%
HK$50,133
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,516/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,472
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,798
−HK$1,346/mo
Today · 4.125%
HK$52,144
baseline
▲ 0.50% · 4.625%
HK$54,893
+HK$2,749/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,288/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,881
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,495
−HK$1,639/mo
Today · 4.125%
HK$55,134
baseline
▲ 0.50% · 4.625%
HK$58,489
+HK$3,355/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,268/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,717
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,265
−HK$1,570/mo
Today · 4.125%
HK$60,835
baseline
▲ 0.50% · 4.625%
HK$64,042
+HK$3,207/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,670/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,704
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,779
−HK$2,108/mo
Today · 4.125%
HK$70,887
baseline
▲ 0.50% · 4.625%
HK$75,200
+HK$4,313/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,774/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,208
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,198
−HK$2,019/mo
Today · 4.125%
HK$78,217
baseline
▲ 0.50% · 4.625%
HK$82,340
+HK$4,123/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,434/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,435 · Scale 2, in force from 26 Feb 2026)