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$37,070
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,223
−HK$1,172/mo
Today · 4.125%
HK$39,395
baseline
▲ 0.50% · 4.625%
HK$41,792
+HK$2,397/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,790/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,240
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,346
−HK$1,122/mo
Today · 4.125%
HK$43,468
baseline
▲ 0.50% · 4.625%
HK$45,760
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,936/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,484
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,868
−HK$1,406/mo
Today · 4.125%
HK$47,274
baseline
▲ 0.50% · 4.625%
HK$50,150
+HK$2,876/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,548/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,488
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,816
−HK$1,346/mo
Today · 4.125%
HK$52,162
baseline
▲ 0.50% · 4.625%
HK$54,912
+HK$2,750/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,324/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,898
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,513
−HK$1,640/mo
Today · 4.125%
HK$55,153
baseline
▲ 0.50% · 4.625%
HK$58,509
+HK$3,356/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,306/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,736
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,285
−HK$1,571/mo
Today · 4.125%
HK$60,856
baseline
▲ 0.50% · 4.625%
HK$64,063
+HK$3,207/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,712/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,726
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,802
−HK$2,109/mo
Today · 4.125%
HK$70,911
baseline
▲ 0.50% · 4.625%
HK$75,225
+HK$4,314/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$141,822/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,232
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,223
−HK$2,020/mo
Today · 4.125%
HK$78,243
baseline
▲ 0.50% · 4.625%
HK$82,367
+HK$4,124/mo
Deposit HK$1.63M · loan HK$14.63M · min. income ≈ HK$156,486/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,640 · Scale 2, in force from 26 Feb 2026)