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$37,080
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,234
−HK$1,172/mo
Today · 4.125%
HK$39,406
baseline
▲ 0.50% · 4.625%
HK$41,803
+HK$2,397/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,812/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,252
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,358
−HK$1,122/mo
Today · 4.125%
HK$43,480
baseline
▲ 0.50% · 4.625%
HK$45,772
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,960/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,497
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,881
−HK$1,406/mo
Today · 4.125%
HK$47,287
baseline
▲ 0.50% · 4.625%
HK$50,164
+HK$2,877/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$94,574/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,502
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,830
−HK$1,346/mo
Today · 4.125%
HK$52,176
baseline
▲ 0.50% · 4.625%
HK$54,927
+HK$2,751/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$104,352/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,913
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,527
−HK$1,641/mo
Today · 4.125%
HK$55,168
baseline
▲ 0.50% · 4.625%
HK$58,525
+HK$3,357/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,336/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,752
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,301
−HK$1,571/mo
Today · 4.125%
HK$60,872
baseline
▲ 0.50% · 4.625%
HK$64,081
+HK$3,209/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,744/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,745
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,821
−HK$2,109/mo
Today · 4.125%
HK$70,930
baseline
▲ 0.50% · 4.625%
HK$75,246
+HK$4,316/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,860/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,253
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,244
−HK$2,021/mo
Today · 4.125%
HK$78,265
baseline
▲ 0.50% · 4.625%
HK$82,390
+HK$4,125/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,530/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,808 · Scale 2, in force from 26 Feb 2026)