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$37,040
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,192
−HK$1,171/mo
Today · 4.125%
HK$39,363
baseline
▲ 0.50% · 4.625%
HK$41,758
+HK$2,395/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,726/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,207
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,312
−HK$1,121/mo
Today · 4.125%
HK$43,433
baseline
▲ 0.50% · 4.625%
HK$45,723
+HK$2,290/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,866/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,448
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,831
−HK$1,404/mo
Today · 4.125%
HK$47,235
baseline
▲ 0.50% · 4.625%
HK$50,110
+HK$2,875/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,470/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,448
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,774
−HK$1,346/mo
Today · 4.125%
HK$52,120
baseline
▲ 0.50% · 4.625%
HK$54,867
+HK$2,747/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,240/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,856
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,469
−HK$1,639/mo
Today · 4.125%
HK$55,108
baseline
▲ 0.50% · 4.625%
HK$58,461
+HK$3,353/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,216/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,690
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,237
−HK$1,569/mo
Today · 4.125%
HK$60,806
baseline
▲ 0.50% · 4.625%
HK$64,012
+HK$3,206/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,612/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,672
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,746
−HK$2,107/mo
Today · 4.125%
HK$70,853
baseline
▲ 0.50% · 4.625%
HK$75,164
+HK$4,311/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,706/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,172
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,162
−HK$2,018/mo
Today · 4.125%
HK$78,180
baseline
▲ 0.50% · 4.625%
HK$82,301
+HK$4,121/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,360/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,145 · Scale 2, in force from 26 Feb 2026)