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$37,044
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,196
−HK$1,171/mo
Today · 4.125%
HK$39,367
baseline
▲ 0.50% · 4.625%
HK$41,762
+HK$2,395/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,734/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,211
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,316
−HK$1,121/mo
Today · 4.125%
HK$43,437
baseline
▲ 0.50% · 4.625%
HK$45,727
+HK$2,290/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,874/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,452
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,835
−HK$1,405/mo
Today · 4.125%
HK$47,240
baseline
▲ 0.50% · 4.625%
HK$50,114
+HK$2,874/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,480/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,453
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,779
−HK$1,346/mo
Today · 4.125%
HK$52,125
baseline
▲ 0.50% · 4.625%
HK$54,872
+HK$2,747/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,250/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,861
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,474
−HK$1,639/mo
Today · 4.125%
HK$55,113
baseline
▲ 0.50% · 4.625%
HK$58,467
+HK$3,354/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,226/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,695
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,242
−HK$1,570/mo
Today · 4.125%
HK$60,812
baseline
▲ 0.50% · 4.625%
HK$64,018
+HK$3,206/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,624/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,679
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,753
−HK$2,107/mo
Today · 4.125%
HK$70,860
baseline
▲ 0.50% · 4.625%
HK$75,172
+HK$4,312/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,720/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,179
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,169
−HK$2,018/mo
Today · 4.125%
HK$78,187
baseline
▲ 0.50% · 4.625%
HK$82,308
+HK$4,121/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,374/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,203 · Scale 2, in force from 26 Feb 2026)