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$37,113
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,268
−HK$1,172/mo
Today · 4.125%
HK$39,440
baseline
▲ 0.50% · 4.625%
HK$41,840
+HK$2,400/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,880/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,288
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,395
−HK$1,124/mo
Today · 4.125%
HK$43,519
baseline
▲ 0.50% · 4.625%
HK$45,813
+HK$2,294/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,038/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,536
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,921
−HK$1,408/mo
Today · 4.125%
HK$47,329
baseline
▲ 0.50% · 4.625%
HK$50,208
+HK$2,879/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,658/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,546
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,874
−HK$1,348/mo
Today · 4.125%
HK$52,222
baseline
▲ 0.50% · 4.625%
HK$54,975
+HK$2,753/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,444/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,958
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,575
−HK$1,642/mo
Today · 4.125%
HK$55,217
baseline
▲ 0.50% · 4.625%
HK$58,577
+HK$3,360/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,434/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,803
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,353
−HK$1,573/mo
Today · 4.125%
HK$60,926
baseline
▲ 0.50% · 4.625%
HK$64,138
+HK$3,212/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,852/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,804
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,882
−HK$2,111/mo
Today · 4.125%
HK$70,993
baseline
▲ 0.50% · 4.625%
HK$75,313
+HK$4,320/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$141,986/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,318
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,312
−HK$2,022/mo
Today · 4.125%
HK$78,334
baseline
▲ 0.50% · 4.625%
HK$82,463
+HK$4,129/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,668/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,346 · Scale 2, in force from 26 Feb 2026)