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$37,096
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,250
−HK$1,172/mo
Today · 4.125%
HK$39,422
baseline
▲ 0.50% · 4.625%
HK$41,821
+HK$2,399/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,844/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$610,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,269
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,376
−HK$1,122/mo
Today · 4.125%
HK$43,498
baseline
▲ 0.50% · 4.625%
HK$45,791
+HK$2,293/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,996/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$610,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,515
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,900
−HK$1,406/mo
Today · 4.125%
HK$47,306
baseline
▲ 0.50% · 4.625%
HK$50,185
+HK$2,879/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,612/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,522
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,851
−HK$1,347/mo
Today · 4.125%
HK$52,198
baseline
▲ 0.50% · 4.625%
HK$54,949
+HK$2,751/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,396/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,934
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,550
−HK$1,641/mo
Today · 4.125%
HK$55,191
baseline
▲ 0.50% · 4.625%
HK$58,549
+HK$3,358/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,382/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,776
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,326
−HK$1,572/mo
Today · 4.125%
HK$60,898
baseline
▲ 0.50% · 4.625%
HK$64,108
+HK$3,210/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,796/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,773
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,850
−HK$2,110/mo
Today · 4.125%
HK$70,960
baseline
▲ 0.50% · 4.625%
HK$75,277
+HK$4,317/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,920/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,284
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,276
−HK$2,021/mo
Today · 4.125%
HK$78,297
baseline
▲ 0.50% · 4.625%
HK$82,424
+HK$4,127/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,594/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,061 · Scale 2, in force from 26 Feb 2026)