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$37,132
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,287
−HK$1,174/mo
Today · 4.125%
HK$39,461
baseline
▲ 0.50% · 4.625%
HK$41,862
+HK$2,401/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,922/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,309
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,417
−HK$1,124/mo
Today · 4.125%
HK$43,541
baseline
▲ 0.50% · 4.625%
HK$45,836
+HK$2,295/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,082/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,559
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,945
−HK$1,408/mo
Today · 4.125%
HK$47,353
baseline
▲ 0.50% · 4.625%
HK$50,234
+HK$2,881/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,706/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,571
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,901
−HK$1,348/mo
Today · 4.125%
HK$52,249
baseline
▲ 0.50% · 4.625%
HK$55,004
+HK$2,755/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,498/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,985
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,602
−HK$1,643/mo
Today · 4.125%
HK$55,245
baseline
▲ 0.50% · 4.625%
HK$58,607
+HK$3,362/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,490/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,833
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,384
−HK$1,574/mo
Today · 4.125%
HK$60,958
baseline
▲ 0.50% · 4.625%
HK$64,171
+HK$3,213/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,916/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,838
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,917
−HK$2,113/mo
Today · 4.125%
HK$71,030
baseline
▲ 0.50% · 4.625%
HK$75,352
+HK$4,322/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,060/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,357
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,351
−HK$2,023/mo
Today · 4.125%
HK$78,374
baseline
▲ 0.50% · 4.625%
HK$82,505
+HK$4,131/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,748/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,661 · Scale 2, in force from 26 Feb 2026)