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$37,131
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,286
−HK$1,173/mo
Today · 4.125%
HK$39,459
baseline
▲ 0.50% · 4.625%
HK$41,860
+HK$2,401/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,918/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,308
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,416
−HK$1,124/mo
Today · 4.125%
HK$43,540
baseline
▲ 0.50% · 4.625%
HK$45,835
+HK$2,295/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,080/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,557
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,943
−HK$1,408/mo
Today · 4.125%
HK$47,351
baseline
▲ 0.50% · 4.625%
HK$50,233
+HK$2,882/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,702/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,569
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,899
−HK$1,349/mo
Today · 4.125%
HK$52,248
baseline
▲ 0.50% · 4.625%
HK$55,002
+HK$2,754/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,496/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,983
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,600
−HK$1,643/mo
Today · 4.125%
HK$55,243
baseline
▲ 0.50% · 4.625%
HK$58,605
+HK$3,362/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,486/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,831
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,382
−HK$1,573/mo
Today · 4.125%
HK$60,955
baseline
▲ 0.50% · 4.625%
HK$64,169
+HK$3,214/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,910/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,836
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,915
−HK$2,112/mo
Today · 4.125%
HK$71,027
baseline
▲ 0.50% · 4.625%
HK$75,349
+HK$4,322/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,054/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,354
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,348
−HK$2,023/mo
Today · 4.125%
HK$78,371
baseline
▲ 0.50% · 4.625%
HK$82,502
+HK$4,131/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,742/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,639 · Scale 2, in force from 26 Feb 2026)