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$37,046
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,198
−HK$1,171/mo
Today · 4.125%
HK$39,369
baseline
▲ 0.50% · 4.625%
HK$41,765
+HK$2,396/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,738/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,213
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,319
−HK$1,121/mo
Today · 4.125%
HK$43,440
baseline
▲ 0.50% · 4.625%
HK$45,730
+HK$2,290/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,880/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,455
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,838
−HK$1,405/mo
Today · 4.125%
HK$47,243
baseline
▲ 0.50% · 4.625%
HK$50,118
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,486/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,456
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,783
−HK$1,345/mo
Today · 4.125%
HK$52,128
baseline
▲ 0.50% · 4.625%
HK$54,876
+HK$2,748/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,256/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,865
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,478
−HK$1,639/mo
Today · 4.125%
HK$55,117
baseline
▲ 0.50% · 4.625%
HK$58,471
+HK$3,354/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,234/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,699
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,246
−HK$1,570/mo
Today · 4.125%
HK$60,816
baseline
▲ 0.50% · 4.625%
HK$64,022
+HK$3,206/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,632/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,683
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,757
−HK$2,108/mo
Today · 4.125%
HK$70,865
baseline
▲ 0.50% · 4.625%
HK$75,177
+HK$4,312/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,730/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,184
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,174
−HK$2,018/mo
Today · 4.125%
HK$78,192
baseline
▲ 0.50% · 4.625%
HK$82,314
+HK$4,122/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,384/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,243 · Scale 2, in force from 26 Feb 2026)