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$37,130
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,285
−HK$1,173/mo
Today · 4.125%
HK$39,458
baseline
▲ 0.50% · 4.625%
HK$41,859
+HK$2,401/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,916/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,307
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,414
−HK$1,124/mo
Today · 4.125%
HK$43,538
baseline
▲ 0.50% · 4.625%
HK$45,833
+HK$2,295/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,076/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,556
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,942
−HK$1,408/mo
Today · 4.125%
HK$47,350
baseline
▲ 0.50% · 4.625%
HK$50,231
+HK$2,881/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,700/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,568
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,897
−HK$1,349/mo
Today · 4.125%
HK$52,246
baseline
▲ 0.50% · 4.625%
HK$55,000
+HK$2,754/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,492/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,982
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,599
−HK$1,643/mo
Today · 4.125%
HK$55,242
baseline
▲ 0.50% · 4.625%
HK$58,603
+HK$3,361/mo
Deposit HK$4.88M · loan HK$11.40M · min. income ≈ HK$110,484/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,829
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,380
−HK$1,574/mo
Today · 4.125%
HK$60,954
baseline
▲ 0.50% · 4.625%
HK$64,166
+HK$3,212/mo
Deposit HK$4.88M · loan HK$11.40M · min. income ≈ HK$121,908/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,834
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,913
−HK$2,112/mo
Today · 4.125%
HK$71,025
baseline
▲ 0.50% · 4.625%
HK$75,346
+HK$4,321/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$142,050/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,352
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,346
−HK$2,023/mo
Today · 4.125%
HK$78,369
baseline
▲ 0.50% · 4.625%
HK$82,500
+HK$4,131/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,738/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,620 · Scale 2, in force from 26 Feb 2026)