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$37,094
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,248
−HK$1,173/mo
Today · 4.125%
HK$39,421
baseline
▲ 0.50% · 4.625%
HK$41,819
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,842/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$610,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,267
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,374
−HK$1,123/mo
Today · 4.125%
HK$43,497
baseline
▲ 0.50% · 4.625%
HK$45,790
+HK$2,293/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,994/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$610,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,513
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,898
−HK$1,407/mo
Today · 4.125%
HK$47,305
baseline
▲ 0.50% · 4.625%
HK$50,183
+HK$2,878/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,610/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,521
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,849
−HK$1,347/mo
Today · 4.125%
HK$52,196
baseline
▲ 0.50% · 4.625%
HK$54,947
+HK$2,751/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,392/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,932
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,548
−HK$1,641/mo
Today · 4.125%
HK$55,189
baseline
▲ 0.50% · 4.625%
HK$58,547
+HK$3,358/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,378/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,774
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,324
−HK$1,571/mo
Today · 4.125%
HK$60,895
baseline
▲ 0.50% · 4.625%
HK$64,105
+HK$3,210/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,790/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,770
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,847
−HK$2,110/mo
Today · 4.125%
HK$70,957
baseline
▲ 0.50% · 4.625%
HK$75,275
+HK$4,318/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,914/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,281
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,273
−HK$2,021/mo
Today · 4.125%
HK$78,294
baseline
▲ 0.50% · 4.625%
HK$82,421
+HK$4,127/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,588/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,038 · Scale 2, in force from 26 Feb 2026)