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$37,040
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,192
−HK$1,170/mo
Today · 4.125%
HK$39,362
baseline
▲ 0.50% · 4.625%
HK$41,758
+HK$2,396/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,724/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,206
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,312
−HK$1,121/mo
Today · 4.125%
HK$43,433
baseline
▲ 0.50% · 4.625%
HK$45,722
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,866/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,448
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,830
−HK$1,405/mo
Today · 4.125%
HK$47,235
baseline
▲ 0.50% · 4.625%
HK$50,109
+HK$2,874/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,470/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,448
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,774
−HK$1,345/mo
Today · 4.125%
HK$52,119
baseline
▲ 0.50% · 4.625%
HK$54,866
+HK$2,747/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,238/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,856
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,469
−HK$1,638/mo
Today · 4.125%
HK$55,107
baseline
▲ 0.50% · 4.625%
HK$58,461
+HK$3,354/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,214/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,689
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,236
−HK$1,570/mo
Today · 4.125%
HK$60,806
baseline
▲ 0.50% · 4.625%
HK$64,011
+HK$3,205/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,612/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,672
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,745
−HK$2,107/mo
Today · 4.125%
HK$70,852
baseline
▲ 0.50% · 4.625%
HK$75,164
+HK$4,312/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,704/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,171
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,161
−HK$2,018/mo
Today · 4.125%
HK$78,179
baseline
▲ 0.50% · 4.625%
HK$82,300
+HK$4,121/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,358/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,139 · Scale 2, in force from 26 Feb 2026)