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$37,124
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,279
−HK$1,173/mo
Today · 4.125%
HK$39,452
baseline
▲ 0.50% · 4.625%
HK$41,853
+HK$2,401/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,904/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,300
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,408
−HK$1,124/mo
Today · 4.125%
HK$43,532
baseline
▲ 0.50% · 4.625%
HK$45,826
+HK$2,294/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,064/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,549
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,935
−HK$1,408/mo
Today · 4.125%
HK$47,343
baseline
▲ 0.50% · 4.625%
HK$50,223
+HK$2,880/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,686/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,560
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,890
−HK$1,348/mo
Today · 4.125%
HK$52,238
baseline
▲ 0.50% · 4.625%
HK$54,991
+HK$2,753/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,476/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,974
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,591
−HK$1,642/mo
Today · 4.125%
HK$55,233
baseline
▲ 0.50% · 4.625%
HK$58,594
+HK$3,361/mo
Deposit HK$4.88M · loan HK$11.40M · min. income ≈ HK$110,466/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,820
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,371
−HK$1,573/mo
Today · 4.125%
HK$60,944
baseline
▲ 0.50% · 4.625%
HK$64,157
+HK$3,213/mo
Deposit HK$4.88M · loan HK$11.40M · min. income ≈ HK$121,888/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,824
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,902
−HK$2,112/mo
Today · 4.125%
HK$71,014
baseline
▲ 0.50% · 4.625%
HK$75,335
+HK$4,321/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$142,028/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,341
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,334
−HK$2,023/mo
Today · 4.125%
HK$78,357
baseline
▲ 0.50% · 4.625%
HK$82,487
+HK$4,130/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,714/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,527 · Scale 2, in force from 26 Feb 2026)