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$37,125
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,280
−HK$1,173/mo
Today · 4.125%
HK$39,453
baseline
▲ 0.50% · 4.625%
HK$41,854
+HK$2,401/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,906/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,302
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,409
−HK$1,124/mo
Today · 4.125%
HK$43,533
baseline
▲ 0.50% · 4.625%
HK$45,828
+HK$2,295/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,066/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,550
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,936
−HK$1,408/mo
Today · 4.125%
HK$47,344
baseline
▲ 0.50% · 4.625%
HK$50,225
+HK$2,881/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,688/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,562
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,891
−HK$1,349/mo
Today · 4.125%
HK$52,240
baseline
▲ 0.50% · 4.625%
HK$54,993
+HK$2,753/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,480/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,975
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,592
−HK$1,643/mo
Today · 4.125%
HK$55,235
baseline
▲ 0.50% · 4.625%
HK$58,596
+HK$3,361/mo
Deposit HK$4.88M · loan HK$11.40M · min. income ≈ HK$110,470/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,822
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,373
−HK$1,573/mo
Today · 4.125%
HK$60,946
baseline
▲ 0.50% · 4.625%
HK$64,159
+HK$3,213/mo
Deposit HK$4.88M · loan HK$11.40M · min. income ≈ HK$121,892/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,826
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,904
−HK$2,112/mo
Today · 4.125%
HK$71,016
baseline
▲ 0.50% · 4.625%
HK$75,337
+HK$4,321/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$142,032/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,343
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,337
−HK$2,022/mo
Today · 4.125%
HK$78,359
baseline
▲ 0.50% · 4.625%
HK$82,490
+HK$4,131/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,718/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,546 · Scale 2, in force from 26 Feb 2026)