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$37,042
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,194
−HK$1,171/mo
Today · 4.125%
HK$39,365
baseline
▲ 0.50% · 4.625%
HK$41,760
+HK$2,395/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,730/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,209
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,314
−HK$1,122/mo
Today · 4.125%
HK$43,436
baseline
▲ 0.50% · 4.625%
HK$45,725
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,872/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,451
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,833
−HK$1,405/mo
Today · 4.125%
HK$47,238
baseline
▲ 0.50% · 4.625%
HK$50,113
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,476/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,451
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,777
−HK$1,346/mo
Today · 4.125%
HK$52,123
baseline
▲ 0.50% · 4.625%
HK$54,870
+HK$2,747/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,246/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,859
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,472
−HK$1,639/mo
Today · 4.125%
HK$55,111
baseline
▲ 0.50% · 4.625%
HK$58,465
+HK$3,354/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,222/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,693
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,240
−HK$1,570/mo
Today · 4.125%
HK$60,810
baseline
▲ 0.50% · 4.625%
HK$64,015
+HK$3,205/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,620/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,676
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,750
−HK$2,107/mo
Today · 4.125%
HK$70,857
baseline
▲ 0.50% · 4.625%
HK$75,169
+HK$4,312/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,714/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,176
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,166
−HK$2,018/mo
Today · 4.125%
HK$78,184
baseline
▲ 0.50% · 4.625%
HK$82,305
+HK$4,121/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,368/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,180 · Scale 2, in force from 26 Feb 2026)